Late payment reporting

[AdamH83]

Hello all  my question here is regarding how these late payments are reported  may of 2017 is when me and the wife split  I tried like hell to pay all the debt we were attached to together. That didnt pan out. Long story short I gave the truck back in February 2019 then didn't pay it again until I was in a better position it reported as a repo charge off etc. 

I know it can be reported as negative for up to seven years does that seven year start from the first late from when I gave it back?

[ldkcivilservant]

Date of First Delinquincy. So the first 30 day late.

[AdamH83]

Thank you very much. I was able to find that after some additional reading last night. Guess it's just a waiting game overall 

[AdamH83]

You mean to tell me that when I brought myself current only for the ex to get me one last time and I let it go again it starts from the second set of late payments ?!

sweet Jesus. What a life! Smh

In not even sure what effect it's having on me now. All my fico 8 scores are 69X up to mid 700's. My fico 9 are not even close 590's to 620 dependent on bank card, auto etc. 

I have other lates from back then as well. I worked so hard to get back to where I'm at and it's so frustrating to not see it reflected on my scores