All those dates dont mean much. You need to look at the individual month chart and see when was the first 30 day late that then led to CO status. 7yrs 180 days after that.
@Gsauce806 wrote:how can i go all the way back to 2000 when i remember it was in collections i dont know to go that far back
There's no way to do it online. I don't know if maybe you can call the bureaus and ask for an old report from them.
Your full reports will provide either the DOFD or Expected Date of Removal. You can either order your paper reports from each credit bureau and have them mailed to you or you can go to annualcreditreport.com and retreive them online (it's free) -- these will be more comprehensive than the typical online reports and should provide a bit more insight into this account.
The type of account may be a factor - which is why the question of whether it was a student loan was asked as they (federal loans) can remain on reports beyond the 7 year mark if left unpaid. What type of account is it? If it's the standard credit card or loan (personal, mtg, auto, etc.) and it's beyond the 7 year mark from the DOFD, then you should dispute it with each bureau as too old to be reported. But I suggest you view your full reports first to be sure before going the dispute route.
@Gsauce806 wrote:Hello and thank you ...I figured why they asked what type of account but i dont know i never borrowed money for school ,,, im dont know its not my debt i disputed and it came back verified
You stated in your first post you were paying till 1999. Now your saying you never borrowed money for school? Little confusing. You cut off who the creditor is in your first post. Who is the creditor in questions name?
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