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I need some clarification: How long does it take a TL to fall off a credit report? 7 years from date of first delinquency or date of last delinquency? I am looking at my TU report, hard copy right now. I have a [30] from 03/2008, that would be date of first delinquency or not? (that is my first missed payment of this account and it says under account summary the date closed is 04/2008!?!) After the [30], there are 3 months of [60] then [OK] until 7/2009. From 7/2009, it goes [30], [60], [90], [120], [120], then 8 straight [CO]'s, with the last [CO] being 07/2010. DOFD or DOLD are not listed under account summary. However, date of last payment is listed at 05/2009. (even though i have an [OK] at 06/2009). The estimated month and year for it to fall off is listed at 05/2016... 7 years after date of last payment. Sorry if this is confusing... but according to this data... when should this TL fall off?
