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There is no difference. The DLA indicates the last activity noted, whether it was the last payment made by the debtor or the time the account was charged off. If a debtor makes a payment after an account is charged off, then the 7 year credit report requirement is restarted.

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Q: What is the best way to get Last Activity Dates to reflect on credit reports versus closed or charged-off dates because there is a big difference in legal reporting time when considering the two?
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