Fall-off date for collections is not governed by what it is in your CR, it is governed by the date of first default with the original creditor.
It is set under FCRA 605(c) as 7 1/2 years from one date certain, the DOFD on the OC account.
The original creditor must, under FCRA 623(a)(5)(A), report the DOFD to any CRA with which they have previously reported to. They must do this within 90-days after reporting.
This reporting is not a common thing revealed in normal consumer credit reports.
How to find it, with definity?
Write out a check for $10.50 payable to the CRA, with the attached letter:
"This is a request under FCRA 609(a)(1) for a disclosure of all information in my credit file that pertains to the reporting of the date of first default by the original creditor, (name). This information must be in my credit file, for it was required reporting by them under FCRA 623(a)(5)(A).
"If clarity lacks regarding my request, this may help. This information is typically coded as the FCRA compliance/Date of First Delinquency, in Field 25, Base Segment, of my credit file, and regards any posting made to you by the creditor under the Credit Reporting Resources Gude, (c) 2006, CDIA.
"This request additionally includes the disclosure of the date of first default reported to you by the collection agency, (name), regarding this account.
"I additionally request, under FCRA 609(a)(2) that your response include a disclosure of the sources of all information used in your response to this request.
"I recognize that this request requires a fee of $10.50, under FCRA 612(f). My check is attached to cover this request. Your prompt reply is urgently needed
"Sincerely, (you)"
Starting Score: 682 EQ, 663 TU