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Need help with the date of delinquency
I had a HELOC account with BoA that was used as a second mortgage. I didn't really understand how this worked and as a result never paid on the account. The account was later closed as a part of the forgiveness program when BoA was sued by the Feds. The account is showing as closed paid as agreed. But late payments over 120days for the entire time the HELOC was open. My question is what date should be used to start the 7 year countdown for removal from my credit report? Would it be the date the HELOC was opened since no payments were ever made and it was delinquent since the beginning or would the 7 years start from the date the account was closed with the forgiveness program?

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