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Originally Posted by Lamplitersniper  First post here but Ive been doing a lot of reading lately and hopefully I can have this simple question answered that I have gotten a lot of different responses for from my research.
I currently have one negative (the same thing) on each of my big 3 credit reports. It is a paid off derogatory account from capital one.
Now it was paid off in 2003 and obviously closed.
I have read negative things normally fall off after 7 years but my question is 7 years from WHEN?
I have read 7 years from the initial late payment date as well as 7 years from the last report date to the credit agency.
This item has 3 very different dates on it in my credit reports. One is 2003, one is 2006, and one is 2007. Is there anything I can do about the discrepancy here? Obviously I would love to have it fall off of all three accounts seeing as its been 7 years from the initial screw up and paid off account.
I have a few other questions but I figured this was the most important one as it pertains to my only negative and I dont want to dispute (again) or push the issue to try to finally get this removed without knowing the answer. Obviously if it will fall off by the end of the year than I will just wait.
Thanks for any help. |
7 years from first missed payment.
