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CHARGE OFF/CLOSED

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Anonymous
Not applicable
‎04-12-2018 03:24 AM
‎04-12-2018 03:24 AM

CHARGE OFF/CLOSED

Hi. My Capital one auto finance account was CHATGE/CLOSED/*LOSS
7 years ago and just recently dropped off my credit report in all 3 reports. Can Capital One put it back on my report once it dropped off?
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thornback
Senior Contributor
‎04-12-2018 05:57 AM
‎04-12-2018 05:57 AM

Re: CHARGE OFF/CLOSED

No. If it dropped off because it reached the FCRA reporting statute of 7 - 7.5 years after the Date of First Delinquency, it can no longer be reported.

Note: the max reporting statute is 7.5 years, but the bureaus typically exclude after 7.
Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
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