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

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Contributor

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

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!
Message 1 of 6
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Moderator Emeritus

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

When did it go delinquent?
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Message 2 of 6
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Contributor

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

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.
Message 3 of 6
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Moderator Emeritus

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

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.
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Message 4 of 6
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Contributor

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

I am getting these from this site (myfico.com), all 3 bureaus, they are being reported by the OC. Thanks for the info!
Message 5 of 6
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Moderator Emeritus

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

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.
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Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Message 6 of 6
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