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msjan68

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collection account - when will it be removed from my report
How do I know what the original delinquency date was? Is it listed somewhere on the report?

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Hey msjan68! If you look on your credit report, it should tell you the date the delinquent account is scheduled to remain on file until. Subtract 7 years from the date, and that's the original delinquency date. The reason is that delinquent accounts remain on your credit report for 7 years. 

For example, if the date the delinquent account is scheduled to remain on file until is 12/31/2015, that means the original delinquency date is 12/31/2008. Hope this helps!

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If you are having trouble finding the DOFD date on an account, a good way to figure that out is to add one month ahead of your last payment, that is typically your DOFD (date of first delinquency).

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