What basis are items removed from my credit report?

[ew0506]

Hello,

I have been searching the forums and some usefull information, but not particularly for my question. 

What is the actual basis for items being removed from my credit report, meaning, are items actually removed based upon DATE OPENED or DOLA?

I ask because Experian (the most generous CRA) has removed particular old child support obligations I had at 7 years, but Equifax (the worst) won't remove then until 10. Now, additionally too that, they say they remove them at 10 years from DOLA. Is that legal? 

What prompts a new DOLA? Can the District Attorney do something to my account, inquiry or other and then change the DOLA? Will this then extend the 10 year mark out again?

Any help to clear this up is greatly appreciated.

Thanks!

[pizzadude]

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@ew0506 wrote:

Hello,

I have been searching the forums and some usefull information, but not particularly for my question. 

What is the actual basis for items being removed from my credit report, meaning, are items actually removed based upon DATE OPENED or DOLA?

I ask because Experian (the most generous CRA) has removed particular old child support obligations I had at 7 years, but Equifax (the worst) won't remove then until 10. Now, additionally too that, they say they remove them at 10 years from DOLA. Is that legal? 

What prompts a new DOLA? Can the District Attorney do something to my account, inquiry or other and then change the DOLA? Will this then extend the 10 year mark out again?

Any help to clear this up is greatly appreciated.

Thanks!

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Welcome to the forums !

Can you provide some additional information ?   What type of account are you referring to ~ a judgement ?  Collection Account ?  

The credit reporting time period for judgements are 7 years from the date they were issued.    Collection accounts remain on your reports for 7.5 years from the date of first deliquency of the original account. 

[ew0506]

The account specifically, is an account with the San Diego District Attorney Family Support Division. I'm current with support, never have never been late. 

I just find it very deplorable to know that anyone, District Attorney or otherwise, can make a significant change or update to change "DOLA", so that the account time is now extended for the 10 years it's suppose to stay on my report.

[pizzadude]

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@ew0506 wrote:

The account specifically, is an account with the San Diego District Attorney Family Support Division. I'm current with support, never have never been late. 

I just find it very deplorable to know that anyone, District Attorney or otherwise, can make a significant change or update to change "DOLA", so that the account time is now extended for the 10 years it's suppose to stay on my report.

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The good news here is that FICO scoring ignores child support tradelines.   So it is not impacting your FICO score in any negative way.

[ew0506]

Well that's good to know, but my other question not yet answered is how long do these type of accounts or others included stay on your CR? 

Is it based upon Date Opened or Date of Last Activity?

That's the trivial question I'm really trying to get answered.

[pizzadude]

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@ew0506 wrote:

Well that's good to know, but my other question not yet answered is how long do these type of accounts or others included stay on your CR? 

Is it based upon Date Opened or Date of Last Activity?

That's the trivial question I'm really trying to get answered.

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Generally accounts will remain on your credit reports for 10 years from the date they were closed.   Sometimes CRAs will drop them earlier, but that is the convention.

[RobertEG]

There is no ambiguity under the statute regarding when adverse items are excluded from a consumer's credit report.

They are clearly spelled out in FCRA 605(a), and the former ambiguity regarding collections and charge-offs was clarified by section 605(c).

They only type of adverse item where a date other than the date of occurence of the adverse item is used is with tax liens.  Their exclusion period of 7 years does not begin until paid.

FCRA 605(a) (1)-(4) specify the exclusion dates, in order, for BKs, civil judgments, paid tax liens, and collections/charge-offs.

If not one of those specific items, the adverse item is covered under section 605(a)(5), which states "any other adverse item of information...." and sets the exclusion date as 7 years from the date of occurence of the item.

[ew0506]

Thanks Robert, I will check those out. I think I feel a nice letter needing to be written to the CRA.