Question : How do I verify when negative items drop my credit report?
I understand that negative items remain on your Credit Report for 7 years after the date of Original Delinquency, but how do I determine when this date incurs? Since the "Date of Last Activity" changes extending the date of deletion on your credit report, how can I determine when items should drop off?
- asked by Stephanie N
All Answers:
Answer #1
It is seven years after you pay off the debt, themonth/year you paid if off appears on your creditreport.
- answered by Landlord
Answer #2
When you look at your credit report, it willclearly mention a date of first delinquency ordate reported or something like that. 7 yearsstart from the date of first delinquency reportedby original creditor. Usually 90 days late andafter is considered as such.It is NOT 7 yearsAFTER you have paid the debt off. See the samplecredit report.
http://www.thelpa.com/lpa/sample_tu_credit_report.html
- answered by N K
Answer #3
Transunion's reports actually tell you when thebad debt will be removed, but it is up to followup to make sure.
- answered by lovred
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