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7 Years

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MsAutumn
Established Member

7 Years

When does the 7 year clock start? Is it after the last late payment or when it's added to your credit report? I had an old account that is in collections added to my report 3 years after the last late payment.

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gdale6
Moderator Emeritus

Re: 7 Years

At the DoFD.

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OmarGB9
Community Leader
Super Contributor

Re: 7 Years


@gdale6 wrote:

At the DoFD.


Aka Date of First Delinquency, or when the first missed payment that led to charge off occurred.


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