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Question regarding OC deletion and CA still reporting.....

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Anonymous
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Question regarding OC deletion and CA still reporting.....

I recently had an OC account deleted from my credit report because it was past the 7 year reporting mark.  Should the CA associated with this account also be deleted?  Thanks for any answers.
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Anonymous
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Re: Question regarding OC deletion and CA still reporting.....

It should be yes..........what is DOFD reported for the CA account?
 
The actual drop date may vary a few months b/c it is actually 7.5 years an account stays past DOFD........sometimes CRA remove at the 7 year mark, sometimes a month before, sometimes a month after, sometimes at the 7.5 year mark.
 
Check the DOFD being reported closely, if needed call the CRA and ask for the fall off date or FCRA compliance date, or when the item will be removed........whichever you want to ask for. Make sure you plainly tell them you just want more information on the account(dropdate) that you are NOT wanting to dispute it. Not yet anyhow............after you know the date, you will know if the CA has re-aged the debt.
Message 2 of 3
Anonymous
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Re: Question regarding OC deletion and CA still reporting.....

Experian is the CRA giving me a hard time.  TU and EQ have both removed.  Thanks for advice....will work on.
Message 3 of 3
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