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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 Does the 7 Year Rule Begin For Delinquent Accounts?

June 13, 2017

Dear Experian, I had a 30-day late payment in April 2011 and one 90 days late in September of 2011. When would the seven-year rule start? April or September?...

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