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[plen]

I recently paid a small old debt to CIBC for an overdraft account I left lingering. After paying the debt in full, the CA updated my TL with the fact that it was paid along with the comment "Update freeze requested by credit grantor". I called Equifax to confirm the meaning of this comment and they indicated that sometimes after paying in full your Date of Last Activity can be updated to the current date, thus leaving you another 6 years for the TL to fall off. By indicating such a comment my DOLA is still at 2005-07 and thus I'll only have to wait until July of next year for it to fall off.