7 year fall off

[Anonymous]

I've heard that negative inquires on you report drop off after 7 years. I just got a copy of my credit report and I still see things on there from college in 1997-98. Shouldn't it fall off by now? any help is much appreciated.......

[Anonymous]

Opened in 97-98 or closed/settled/paid off/last payment in 97/98?

[Anonymous]

Credit Account Citibank Status as of November 2005

Date opened [?] Jul, 1997 Date of last payment [?] Jun, 2003 Account number [?] 9676478120XXXXX Largest past balance [?] $2,625 Credit Type [?] Installment Account holder [?] Individual Scheduled payment amount [?] $15

it was opened in 1997 but i guess since the last payment was in 2003 its seven years form then?

[Anonymous]

Yes, it's from the 2003 date.  The 7 years is calculated based on the date of deliquency, not when the account was opened or closed.

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macycsguy wrote:

Credit Account Citibank Status as of November 2005

Date opened [?] Jul, 1997 Date of last payment [?] Jun, 2003 Account number [?] 9676478120XXXXX Largest past balance [?] $2,625 Credit Type [?] Installment Account holder [?] Individual Scheduled payment amount [?] $15

it was opened in 1997 but i guess since the last payment was in 2003 its seven years form then?

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[Anonymous]

Oh I see, how would you suggest getting rid of this? i tried disputing it but it didn't work. If I pay the balance in full can they remove it from my report? can i even still pay at this point?

[Anonymous]

7 years from DOFD, give or take 180 days.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=2689

Call the CRAs and ask them what DOFD, Date Of First Delinquency, is being reported.

[Anonymous]

Pay for deletion. 

[Anonymous]

thanks for your help guys

[Anonymous]

DOLP is showing from 2003. Do you know approximately when the DOFD might be? It would likely be the date it went 120 days late.

If this went delinquent say around 2000, but you continued making payments periodically thru 2003, then the DOFD might still be from 2000 and it's too old to report.