When will this late string fall off

[jvn]

Between February and December of 2018 I had a string of missed student loan payments. As I understand it, a continuous string of late payments will fall off in their entirety 7 years from the date of first deliquency.  Can I expect this entire string of lates to fall off this coming February?  This would be a godsend to me.  

[JoeRockhead]

Generally the only way an entire string gets deleted is if you had a 30 day late that eventually led to a charge off status of the account. When there is a string of late payments, but then the account is brought current again, the late payments will age off reports individually as each one becomes "too old to report". 

Experian has been known, on occasion to delete strings of late payments without the CO status present, but don't get your hopes up. The other two, EQ and TU... will only come off individually.  

[md_rebuild]

@JoeRockhead 

Thank you for the clarification.   I had my mortgage included in my BK7 that was charged off in June of 2019.    However, my first 30 day late ocurred in September of 2018.  I never got back current, so it's 30, 60, 90, 60, 120, etc., etc., until the CO.   

If I'm understanding you correctly, since I never got back current, then for Experian, the whole string will come off in September of 2025, while TU and EQ will do it month by month?   Other than my BK7 (and the associated charge-offs) my file is clean.   So if this the case, it will be fascinating to see what happens to the scores when the whole string comes off vs. month to month.

[JoeRockhead]

@md_rebuild If the account was charged off, then the whole account will get deleted based on the DOFD that led to the charge off status. That will apply for all three bureaus.