DW's Experian CR arrived - need help explaining baddies

[Anonymous]

My DW's Experian CR arrived with several baddies on it. Please tell me if I got these three correct.

1. Status: Paid, closed/Collection account Collection as of August 2001 - Does this mean an August 2008 deletion date?

2. Status: Paid, Closed/Current, was past due 60 days. Account history 60 days as of 5/2001, 4/2001 30 days as of 11/2003, 10/2003, 3/2001 Creditor's statement: Account closed at credit grantor's request. I believe it stays on for seven years from date of closing, but there's no closing date shown.

3. Status: Transferred, closed/Account charged off. $82 written off. Account history: Charge off as of 6/2004 to 1/2005, 150 days as of 5/2004, 120 days as of 4/2004, 90 days as of 3/2004, 60 days as of 2/2004, and 30 days as of 1/2004. Based upon Tuscani thread it stays on seven years from the date of the initial missed payment - is that initial payment 1/2004?

Thanks. 

[Anonymous]

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Ruralguy123 wrote:

My DW's Experian CR arrived with several baddies on it. Please tell me if I got these three correct.

1. Status: Paid, closed/Collection account Collection as of August 2001 - Does this mean an August 2008 deletion date?

Look for it to fall off around August 2008

2. Status: Paid, Closed/Current, was past due 60 days. Account history 60 days as of 5/2001, 4/2001 30 days as of 11/2003, 10/2003, 3/2001 Creditor's statement: Account closed at credit grantor's request. I believe it stays on for seven years from date of closing, but there's no closing date shown.

Was it closed during the 30 days lates in 03?  If so yes.

3. Status: Transferred, closed/Account charged off. $82 written off. Account history: Charge off as of 6/2004 to 1/2005, 150 days as of 5/2004, 120 days as of 4/2004, 90 days as of 3/2004, 60 days as of 2/2004, and 30 days as of 1/2004. Based upon Tuscani thread it stays on seven years from the date of the initial missed payment - is that initial payment 1/2004?

Correct since no payments were made after the original delinquency of 1/2004 now had it been paid on it wuld have restated the clock.

Thanks. 

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