The status of the debt as either paid or unpaid is irrelevant to the exclusion of any adverse reporting made by the OC, or any collection that may be reported on the debt.
As for a collection, its exclusion date is based on one an only one date-certain... which is the DOFD on the OC account.
Once 7 years plus 180 days has expired from the DOFD, the collection must be excluded from your credit report. Period.
As for the OC accunt, it wont becoe excluded. What will become excluded are any derogs reported under the account once they have passed their credit report exclusion periods. Any monthly delinquencies reported by the OC become excluded after 7 years from their date of occurence, and any charge-off they have reported would become excluded after 7 years plus 180 days from the DOFD.
After exclusion of derogs from the OC account, if the debt remains unpaid, there will be no reporting of satisfaction of that debt under the OC account, which can still raise questions upon a manual review of your credit report.
