@frio wrote:
do most baddies drop off your CR 7 years after DOFD or DOLA
The DoLA is meaningless. The CRTP (Credit Reporting Time Period) Is slightly different depending on what the negative is.
Late payments can report for 7 years fron each individual date of delinquency.
Collections and charge offs can report for up to 7.5 years from the DoFD on th OC (Original Creditor) account that led to the collection or CO.
Lates, collections, and CO's seem to be what most folks are dealing with but you also could have tax liens, judgments, and bankruptcies.
What kind of negative are you talking about?
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Starting Score: 589 / TU: 600