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Liindsayyy12

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Help on when it will be gone??
I have an account that says it was "collection/charge off" deposit related and the account was closed on oct 13th 2010 but it says my last payment was in sept of 2012. Will this fall off 7 years after the account is closed or the last payment?
Or will it hurt the 7 years if I just pay it off or will it help me?

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Top Contributor
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It should fall off seven years from your first date of missing payments.  You can dispute this with the credit buruaes.  It will always help during a manual review of your credit report if it is paid .  Some companies will auto decline you if  you have any unpaid collections

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