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How to Determine an Original Delinquency Date

Dear Experian,

How do you find out the original delinquency date of an account?

– KYN

Dear KYN,

The original delinquency date is the date the account first became delinquent and was not brought current. This date is used to determine when the late payment information is deleted from your credit report.

How to Calculate When An Account Will Be Removed From The Report

The original delinquency date applies to the first late payment in a series. So, if a payment is late today but next month the account is brought current, seven years from today that late payment would be deleted, but the account would continue to be reported with the more current payment history.

However, if an account were to become late today, the payments were never brought current, it was charged off as bad debt, closed and sent to collection, then the original delinquency date would be today’s date. Even if the bad debt was eventually paid, seven years from today’s date, the closed account and the subsequent collection account would be deleted.

Thanks for asking.
– The “Ask Experian” team