Either item 1 or 4.
The seven year period under FCRA 605(a)(3) for drop off a a tax lien does not even begin until the lien is paid. Tax liens are a major derog.
As for closed accounts with balances, what derogs were posted by the OC, and what are their normal drop off dates? Was a CO reported?
What peril remains for escalating activity on their part, such as a charge-off, a colection referral, or even legal action?
FICO is not primarily about accounts, it is primarily about derogs under an account.
