@Anonymous wrote:
Is it possible that different CRAs can have different dates that an account is due to drop off? According to my calculations from my EQ, a collection lists the DoFD as Feb 2009 which would mean it should fall off in Feb 2016 + or -. According to EX, that same TL is scheduled to continue on record until Nov 2015. Is that the 180 days? If so, does that mean that it can fall off EX in Nov 2015 but won't fall off EQ until Feb 2016? Or do things tend to fall off all three at the same time?
Fall off dates vary between all 3 CRA's. EQ's DoFD is typically when it should come off, but i've known EQ to delete early. EX's and TU's estimated dates are just estimated dates...for me, those dates aren't even a couple months close to the 7 year DOFD...they're earlier. And that's normally when they fall off...although you maybe able to get them removed a few months earlier by calling EX/TU CSR and asking them. Negative accounts cannot stay on your report any longer than 7-7.5 years, 10 years..depending on what it is, but law does not state that those negative accounts have to remain on your report for that length of time. CRA's tend to delete early as to not cross that expiration date.
(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)
