I just checked all 3 of my credit reports. I have an auto loan from capital one, i paid it off completely, but had a ton of 30 and 60 day lates.
It is reported as pay as agreed, haven't had a late since January 2018, like i said it is paid off, but none of my reports give me my DoFD. Just curious will this fall of at the 7 year mark or is staying because its reported paid as agreed? Really confusing.
// 
The account will stay on your reports for up to 10 yrs or a little sooner. Once the lates hit 7yrs then they will start to fall off. For the 60's. When the 30 that led up to the 60 comes. They both will fall off as a string. Once the lates are gone. Then it will become a more positive account. Paid on time.
