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Question about the correct delete date

Date: Thu, 10/04/2007 - 18:44

Submitted by shughes0993
on Thu, 10/04/2007 - 18:44

Posts: 40 Credits: [Donate]

Total Replies: 5


I have a question about the correct deletion date of an old account on my credit report. I have an old account from a finace company opened 11/99. The date of last activity is 4/2001. The date of the last payment is 2/2002. When i tried to dispute it reason being that the statute of limitations is up. They told me that they go by the date of last activity which was 4/2001. But i was reading in the Fair credit act that the deletion is the original date which would be 11/1999 not the date of last activity. Does that sound correct? because if it is i am going to write equifax and qoute my rights according the the fair credit act.


If the 1st major delinqunecy is 2000 and a charge off was paid in full in 2002. ( no other paids in the interim) then should the item be pulled off the report if the since 2000 was the initial delinquency?


lrhall41

Submitted by muddydekes on Mon, 10/08/2007 - 06:41

( Posts: 29 | Credits: )


I don't know if this advice helps, but, I hope it does. On a credit report, ..if you look directly to the right or bottom, of the deliquent account, it should tell you what your 'drop-off' date is.....which means it is the date that the account should come off your credit report.


lrhall41

Submitted by sdchargers_63 on Mon, 10/08/2007 - 07:35

( Posts: 1798 | Credits: )