Date of First Delinquency

[Anonymous]

Given the data below, can someone one please tell me.. when will these 2 collections below will fall off from my credit report? Is this 7 years from the "Date of First Delinquency" ??

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Date Reported: Feb 19, 2015
Original Creditor Name CHOICE RECOVERY INC Balance Date Feb 19, 2015
Date Assigned Jan 31, 2012 Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $244 
Amount $0 Creditor Classification Medical or Health Care
Status Date Feb 19, 2015 Last Payment Date Apr 28, 2014
Status PAID Date of First Delinquency Jul 14, 2011
Comments
Medical

Date Reported: Feb 19, 2015
Original Creditor Name CHOICE RECOVERY INC Balance Date Feb 19, 2015
Date Assigned Jan 23, 2012 Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $300 
Amount $0 Creditor Classification Medical or Health Care
Status Date Feb 19, 2015 Last Payment Date Apr 28, 2014
Status PAID Date of First Delinquency Mar 02, 2011
Comments
Medical

[Anonymous]

This would be better answered in the rebuilding forum ... 

However, if I recall correct, it's seven years from the date of first delinquency PLUS 180 days. 

[Anonymous]

Ask for early exclusion at 6 months for TU and 3 months before with EX/EQ

[RobertEG]

FCRA 605(c) sets the exclusion date for any reported collection or charge off as being no later than 7 years plus 180 days from the DOFD on the OC account.

The CRAs can choose to exclude earlier, and typically exclude at approx 7 years from the reported DOFD.

There is thus discretion on the part of the CRA, and one cannot determine exactly when exclusion will occcur based only on the reported DOFD.

They must become excluded no later than 7 years plus 180 days from the DOFD, and will likely be excluded at approx 7 years.