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Scoresfor2011

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Does a debt fall off credit after the 7 years of orginal date open or last date of activity

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Neither...

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A debt will fall off after 7 years of "date of first deliquency".   There is a misconception that partially paying a debt will "reset" the 7 year clock, that is just not true.

If you have a JUDGMENT against you for this debt, it basically will never go away (until 7 years after paid in full).   Do not let it get that far.  

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latest date of activity

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i want to know why my credit score keeps going down i pay my bills on time and never late my bankrupcy was dischared in 2009  so it should not be pending.

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