When does it fall off my report?

[eBayfan]

Hi - I remember seeing someting on a report showing when an old collection was supposed to fall off.  I just pulled up my latest report (have a monthly to fico) and don't see it.  Any ideas?  Thanks so much! 

[RobertEG]

A collection must become excluded no later than 7 years plus 180 days from the DOFD.

The CRAs regularly exclude, and usually provide an estimated exclusion date, of 7 years after the DOFD.

If you dont see either the DOFD or an estimated exclusion date in your commerical credit report, get a copy from annualcreditreport.com.

[RonM21]

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@RobertEG wrote:

A collection must become excluded no later than 7 years plus 180 days from the DOFD.

The CRAs regularly exclude, and usually provide an estimated exclusion date, of 7 years after the DOFD.

If you dont see either the DOFD or an estimated exclusion date in your commerical credit report, get a copy from annualcreditreport.com.

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This post is exactly right.  So, maybe it's possible you've reached that point?