You're probably referring to the abbreviation for Date of Last Activity
The Date of Last Activity is missing, due to an error in data entry or it wasn't available. Probably the former, as the DLA determines when the information is entered.
7 Years from the DLA.
Judgments and other negative information that is valid cannot be removed from a credit report until the required time limit of 7 years (usually from the DLA) has expired. Most judgments are renewable and therefore can be reentered on a credit report and remain an idefinite period of time.
credit card information should automatically purge from your credit bureau 6 years from the date of last activity. ie) if you pay your account in full (nil balance) on June, 2012 (DLA=date of last activity) and you do not use the account, the account should purge on June, 2018
"According to the research I have just recently conducted regarding this question, I have discovered that Montgomery Credit does indeed offer credit cards."
The Date of Last Activity is missing, due to an error in data entry or it wasn't available. Probably the former, as the DLA determines when the information is entered.
7 Years from the DLA.
Date Of Last Activity
The DLA generally indicates the last time a payment was made or the account was defaulted. The SOL for accounts before 1/98 relates to the DLA itself, SOL for accounts after 1/98 begin when the account is "charged off" (usually 180 days after DLA) and/or sent for collection.
Six years from the time of DLA.
a psalm for you
If you are responsible for that item, then, yes, it can stay on your credit report--probably indefinitely.
Charge offs and most other defaulted debts are expunged (or should be) from a credit report seven years after the DLA.
The letter itself will not change a DLA. The Date of Last Activity is SUPPOSED to be the date you last made a charge on the account, the date you acquired service, or 6 months from the date of last delinquency (if there is no other way to establish the DLA). Many collection agencies sidestep the Fair Credit Reporting Acts' statute of limitations by not reporting DLA's at all. How can they be expected to remove an account that is past the statute of limitations if they don't have the DLA? (tricky, huh?) Disputing a collection account will change the date the account was last reported on the bureaus. This date, much more than the DLA will cause the account to affect your credit score.
'you mean the world to me' can be translated literally as 'znaczysz dla mnie cały świat' which doesn't sound really good or correct. Instead I would say 'jesteś dla mnie wszystkim' which can be translated as 'you mean everything to me'.
Valid derogatory debt entries will remain on a CR for 7 years from the DLA.
DLA Piper was created in 2005.