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Watermantra

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I have a collection from 03/01/11. Agency updated status on 03/15/17. another 7 years of reporting?

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Running period on your report is based on no other dates than the Date Of First Delinquency for collections/charge-offs, and its 7 years plus 180 days.

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To go a little further with what Johnny has said, the DOFD can be figured as one month after you made the last payment on the original account before it became delinquent enough to go to collections. Collections "opened" dates or "last reported" dates, DO NOT matter. Also when Johnny says 7 years plus 180 days for a negative account to remain on your reports, he is referring to the actual law, what is in writing, however, the credit bureaus time frame is 7 years and you can even get accounts removed slightly prior to that sometimes with "early exclusion". Since you are dealing with debt collectors I advise you to read up on the FDCPA (fair debt collection practices act) to see if your debt collector is violating the laws in any way, typically they do, but most people neglect to use this to their advantage.

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