How do you find the date an item will fall off your credit report?

[thegrapelady]

I am wondering how to figure out the approx. date an item will fall off my credit report. For example... I have an account that was open in 1/2002, it was closed in 9/2003, and shows the last activity as 2/2004, It was a CO. Based on this, does anyone have any idea what date it would be going away? Is there an area on a credit report that shows this? Thanks!

[Anonymous]

When did it go delinquent?

[thegrapelady]

It doesn't show anywhere the date that it went delinquent, but my guess would be late 2002, when I was hospitalized and missed some payments.

[Anonymous]

Who is reporting, the OC or a CA?

Where are you getting your reports?

You'll likely need to pull from the CRA directly to find this information or call the CRA.

[thegrapelady]

I am getting these from this site (myfico.com), all 3 bureaus, they are being reported by the OC. Thanks for the info!

[Anonymous]

You need to get a full disclosure that you can only get from the CRA directly.

If you haven't gotten your free annual reports, you can request those. You don't have to request all 3 at the same time, if you don't want to.