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Question By
breem

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If your account was closed over 7 years ago but payment was made in the last 3 when does it come off
A report shows the account was closed in 2008 but last payment was made in 2014. So not sure if it should be removed already because it was closed in 2008 or was it reset by payment?

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I would say that the DOFD (date of first deliquency) would have been prior to 2008, so I am thinking some "funny business" might be going on here. The DOFD is the start of the seven years. I am not sure the circumstances of the payment made in 14, but it should not have reset the credit reporting time period. Does the account show as a negative on your reports or was the info changed to make it a positive account at some point in time? If it is showing negative info, you might consider filing disputes with the credit bureaus listing it, but I am not sure if you will have much luck. You might need to get help from a consumer law attorney on this. Look for ones that deal with Credit issues.

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