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Original Delinquency Date

The original delinquency date is the date when an account first became delinquent, or past due. Delinquencies can stay on your credit report for seven years from the original delinquency date, even if you pay your bill in full the very next month.

Because collection accounts are treated as continuations of the original debt, a collection account will also be deleted from your credit report based on the original delinquency date.

When Credit Card Accounts are Deleted from Your Credit Report

December 16, 2014

Dear Experian, I haven't paid my credit cards in four years. How long will it take them to be removed? I opened the accounts in 2007. - ANL

When Are Repossessions and Collections Deleted

July 2, 2014

Dear Experian, I had a repossession in July 2006, but on my credit report it states date reported January 2013. A collection agency owns the account now. When will it...

The Impact of Selling or Transferring a Collections Account

May 27, 2014

Dear Experian, A creditor of mine sold my credit card debt to another company after seven years. Do I now have to wait another seven years to have it removed...

Account Updates Will Not Change When Account is Deleted

November 20, 2013

Dear Experian, If a negative item is past seven years on my report and the creditor updates it, will it ever come off my report? - JCP

How to Determine an Original Delinquency Date

April 25, 2012

Dear Experian, How do you find out the original delinquency date of an account? - KYN