That's the last time you bought something, paid a bill or incurred interest debt.
The last activity is usually viewed as the last payment made. The rule of thumb is that the SOL begins six months after the account was defaulted on.
Where to find this information on a credit report unfortunately depends on where you obtained your credit report from since they (credit bureaus, mortgage lenders, etc.,) can all use different formats. However, there should be a column or section under each creditor/credit item listed that shows "Date of Last Activity", "DLA" or "Last Active". The three major bureaus are pretty good about putting this information in a separate column (near or underneath the Date Opened or Last/Date Reported). If all else fails, contact the creditor/collector directly (not the credit bureaus) for the most accurate information about the Date of Last Activity.
Yes, the credit reporting agency can update the Date of Last Activity, Date last Reported, etc... But they cannot change the FCRA compliance date, which is the date the account is supposed to come off your credit report.
items will remain on your credit report 7 years from the date of last activity. What that means is if the account was already 6 years on your report but it was sold to another company it could remain on your report for another 7 years based on activity
2001. Always go by the later dates of payment, delinquency, etc.
Date Of Last Activity
The last activity is usually viewed as the last payment made. The rule of thumb is that the SOL begins six months after the account was defaulted on.
Where to find this information on a credit report unfortunately depends on where you obtained your credit report from since they (credit bureaus, mortgage lenders, etc.,) can all use different formats. However, there should be a column or section under each creditor/credit item listed that shows "Date of Last Activity", "DLA" or "Last Active". The three major bureaus are pretty good about putting this information in a separate column (near or underneath the Date Opened or Last/Date Reported). If all else fails, contact the creditor/collector directly (not the credit bureaus) for the most accurate information about the Date of Last Activity.
Yes, the credit reporting agency can update the Date of Last Activity, Date last Reported, etc... But they cannot change the FCRA compliance date, which is the date the account is supposed to come off your credit report.
items will remain on your credit report 7 years from the date of last activity. What that means is if the account was already 6 years on your report but it was sold to another company it could remain on your report for another 7 years based on activity
The credit accounts will appear in the credit portion of your report for seven years from their date of last activity. The legal item will appear in the public record portion for 10 years from the date of its' discharge.
Negative credit information remains on a report 7 years from the last date of activity. In other words, the last date you made a payment. I recommend that you settle the debt with the stipulation that the negative entry is removed.
Your TRW should have a date field where the vendor last reported, like (10/99) for october of 1999.
Generally, only the last twelve (12) months of credit report requests are included on a credit report.
2001. Always go by the later dates of payment, delinquency, etc.
Items can stay on your credit for 7 years after it's last activity date - even if it's a paid debt.
Depending on the dates that each credit report has. If it has a certain date posted as estimated time of removal, then it will be removed on or around that particular date. Please make sure that it is dated from the last day of activity for that account.