Credit Report Question

It would disappear from your credit report somewhere between January 2015 and June 2015. The shelf life of a trade line on a credit report is 7-7.5 years.

It will remain on your credit report for 7 years from the date of your first default. By the way, what is the date of your last payment?

Yeah, don't look at last reported but rather date of first delinquency (which is the last time you made a payment as mentioned above). That determines your fall off date.

One tip..if you are going to attempt to dispute it, wait until AFTER your SOL expires, as Crapone is sue happy.

It is going to be a while before you see it gone from your report. The effects are going to wear out with time.