Then what I suggest is to make one simple list, by delinquencies and derogs, not by accounts
Type of Delinquency Date if a CO or CA, the DOFD on the OC acount. Exlcusion date
examples:
30-late 1/2004 1/2011
60-late 2/2004 2/2011
Charge-off 5/2006 11/2013
Collection 3/2007 9/2014
Removal, or as I prefer to call them, credit report exclusion dates, apply to individual items.
