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LuckyGoat

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I've read that after 7 yrs any act in collection would be removed, but does that 7 yrs start?
I have 2 act still open, is it 7 yrs after the collection agency open date or 7 yrs after it was place for collection?

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it could potentionally start before. the rule is 7 years but it's really 7 years and six months, from the first day of deliquency, which actually occurs before the collection agency ever got your account. the extra six months is given for collection processing times. 

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The seven years starts at the DOFD date. DOFD is "date of first delinquency". Figure the DOFD date is one month after you made the last payment on the original account. If in doubt of how long something will remain on your credit reports, you can contact the credit bureaus and ask them when an account is slated to be removed. Also do some reading on EARLY EXCLUSION.

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