@Anonymous wrote:
When do your reports show that it should be removed?
Well that's the weird thing. There are two accounts associated with this: The original CC account and a CA that is collecting it.
Under the original CC entry, TU says that the estimated date of removal is 08/2012, which is 7 years after it was closed. (This was closed in 09/2005).
Under the CA entry, TU says that the estimated date of removal is 07/2013, which is 7 years after the last 30 day payment. (The last 30 day late was 09/2006, and this was charged off 6 months later).
I'm assuming the CC entry is correct and the CA is re-aging, but from my research it's not clear what happens when you make payments after it is closed, and then stop making payments and let it charge off. If 09/2005 is the important date, then that means SOL runs out September 2009. If it's based on the last late payment, however, then it doesn't run out until 2010.
