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mp589

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For credit card debt, the reporting agency is required to delete the item after 7 yrs.
Is this from the "Closed Date" listed by the creditor?

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Top Contributor
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If the debt = collection, per FCRA, the reportable length for collection is 7 year plus 180 days from original account's Date Of First Delinquency, generally it's the very last time you did pay that lead up to charge-off/collection. It dose NOT go by any other date and nothing changes/extend the reportable date. The CRAs routinely remove them it in 7 years, Experian might remove them in 6 years and 9 months. If you aren't sure about the DOFD? You can either call CRAs or original creditor, they would tell exactly when it was.

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