Credit Advice » Report Advice » Report Details » Original Delinquency Date

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?...

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

Have a Question for Experian?

Your privacy and the information collected here.

Get Your Free Credit Report

View your free Experian Credit Report every 30 days on sign in.

No credit card required.

Get Started for Free

What Should You Know About the Dark Web?

Learn more about what the dark web is, and why it should matter to you as a part of your identity protection strategy.