I have a question...I am trying to understand this correc...

[chrissy122g]

I have a question...I am trying to understand this correctly....on my Equifax report I have a Capital One acct....date opened 12/99 date of last payment 12/2000....date of last activity 05/2001....what date do I use to figure when it should come off my report? I went thru a nasty divorce and it is still haunting me

[Anonymous]

Date a First Major Derogatory... Approximately three months after last payment.

Rob

[missdesire]

I too have been wonder the samething. So that means she can dispute to the CCA about the Cap 1 card since it is has past 7 years.. Am I right?

[Anonymous]

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missdesire wrote:

I too have been wonder the samething. So that means she can dispute to the CCA about the Cap 1 card since it is has past 7 years.. Am I right?

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Sometimes you do have to dispute to expedite the removal... But remember it's 7.5 years

Rob

[Anonymous]

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missdesire wrote:

I too have been wonder the samething. So that means she can dispute to the CCA about the Cap 1 card since it is has past 7 years.. Am I right?

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No, it will not be 7 years until December 2007....It probably will fall off arond April/May 2008.....i'd leave it alone until then.

[Anonymous]

Chrissy, I had several CO deleted but I have 2 CA that I DVd. Both should fall about Dec. After I hear from CA (if ever) I will send letter to CRA asking to delete for *obsolete,  all they can say is no.