What date to look at for deletion...!

[Moni209]

What date do we look at to know when this account will fall off my report..??

[Anonymous]

---

@Moni209 wrote:

What date do we look at to know when this account will fall off my report..??

---

I dont think any of those. I would look at the actual payment history.

You can get your detailed CRs free every 7 days until 4/2021 from annual credit report. It should have the whole payment history as well as actual DoFD listed and possibly even the estimated date of removal.

Good luck!

[Moni209]

@Anonymous  Thank you, does this help to figure out what date I have to look for..? 

[Anonymous]

---

@Moni209 wrote:

@Anonymous  Thank you, does this help to figure out what date I have to look for..? 

---

Looks like you only had 1 x 30d late and then it went to CO. 

3/2018 would be your DoFD from the looks of it. So the whole TL will fall off probably Jan or Feb 2025.

[BmoreBull]

I noticed that on at least one of my reports ( can’t remember which one as I pull all three every week), there is a section that says expected removal date on my charge off. The date of my first delinquency was 1/2018. At the bottom of the charge off it says expected removal date 12/24. So I don’t know if it was counting an EE or what.

[Anonymous]

---

@BmoreBull wrote:
I noticed that on at least one of my reports ( can’t remember which one as I pull all three every week), there is a section that says expected removal date on my charge off. The date of my first delinquency was 1/2018. At the bottom of the charge off it says expected removal date 12/24. So I don’t know if it was counting an EE or what.

---

12/24 would be correct. That is not counting EE.

[FireMedic1]

The DoFD was April 2018 (The green CO) the charge off date. So 7 yrs from the charge off date would be 2025.

[Moni209]

@FireMedic1  as you can see under older derogatory  my first delinquency was in 2016 not 2018 in experian and transunion has 2017 as first delinquency. Does that mean that in 2016 the entire account will be deleted or just the late payment from 2016 and so on .. thank you for the clarification.

[Anonymous]

---

@Moni209 wrote:

@FireMedic1  as you can see under older derogatory  my first delinquency was in 2016 not 2018 in experian and transunion has 2017 as first delinquency. Does that mean that in 2016 the entire account will be deleted or just the late payment from 2016 and so on .. thank you for the clarification.

---

 They only delete the whole TL from the DoFD when the account was never brought current again. In 2018 it goes: ok, 30d, CO. So Medic and I are both correct that it will be in 7 years from that. You kept being late and then bringing it current. Thise do not count as the DoFD. Just because in 2016 you had your very first late on the TL, it was not the very first late that lead to the CO.

When you bing your account current again, it resets the DoFD for any CO doen the road. I have gone through this pain too, with several accounts. I have 5 accounts that should drop by next year, but they kept getting brought current for a month or two here and there for the following 3 years. They will not actually drop off til 2023 (my accounts). It sucks, but that is the way it goes.

The lates prior to the ones that lead up to the CO will fall off as they each reach 7 years also. So thise lates you had in 2016 and 2017 will individually start to drop off in 2023 and 2024.

Good luck!

[FireMedic1]

@Moni209  Think of the DoFD as the DoFB. Date of the Final Baddie. Everything before that like lates and so forth will ding ya. Then fall off 7 yrs after that particular baddie. But when the charge off is the final baddie listed. Thats when the account falls off the reports.

If you have open accounts and stay open. A late will fall off in the same way. 7 yrs later but the account keeps on going. If a 30,60,90 day late happens on a open account. Then the fall off date would be on the 30 day late 7 yr anniversary and all 3 fall off. They call that a string.