Question about a disputed item

[Slim1Der]

I have an HSBC Account that was included in my BK that I have disputed. It has a Date of 1st deliquency of 11/2008. When will this fall off and will it fall off if I still have it in dispute status? Should I take it out of dispute status?

Sorry I couldn't figure out wether to put this in BK or here.

Thanks in advance.

[RobertEG]

Not sure what is being asked....

OC accounts themselves do not "fall off," individual derogs reported under the account become excluded at set periods.

What is the adverse item that you are looking for its exclusion?  Is that adverse item also the subject of the dispute, ir does the dispute relate to some other reporting?

Adverse items become excluded based on specific dates defined in the FCRA, such as 7 years from a date of a monthly delinquency, or a charge-off no later than 7 years plus 180 days from the DOFD.  Dispute status does not effect the exclsion date.

Whatever was the subject of the dispute, all disputes require resolution within 30ísh days of filing, so the pending dispute status should be resolved soon.

[Slim1Der]

So this is the only thing, besides my BK, that is reporting derrogatory on my CR. My question was, since I have disputed it, will it continue to report or will it not report after 7 years like all of the other derrogatory things have? BTW, I disputed it months ago and nothing happened. 

HSBC BANK

PO Box 9
Buffalo, NY-142400009
(888) 385-8916

Account Number:	XXXXXXXXX	Status:	INCLUDED IN BANKRUPTCY
Account Owner:	Individual Account.	High Credit:
Type of Account	N/A	Credit Limit:
Term Duration:		Terms Frequency:
Date Opened:	07/01/2008	Balance:
Date Reported:	11/01/2012	Amount Past Due:
Date of Last Payment:		Actual Payment Amount:
Scheduled Payment Amount:		Date of Last Activity:	N/A
Date Major Delinquency First Reported:	10/2008	Months Reviewed:	5
Creditor Classification:		Activity Designator:	Transfer/Sold
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Credit Card
Date of First Delinquency:	11/2008
Comments:	Consumer disputes this account information, Bankruptcy chapter 7

[Slim1Der]

Just realized you just said "Dispute status does not effect the exclsion date."

thank you