0
When does the seven years start if there is a credit card debt on your credit report and the card was opened in 1999 but the reported last activity was 2001?
Wiki User
∙ 15y ago
2001. Always go by the later dates of payment, delinquency, etc.
Wiki User
∙ 15y ago
Add your answer:
Earn +20 pts
How do you find the date of last activity on an account on your credit report?
Where to find this information on a credit report unfortunately depends on where you obtained your credit report from since they (credit bureaus, mortgage lenders, etc.,) can all use different formats. However, there should be a column or section under each creditor/credit item listed that shows "Date of Last Activity", "DLA" or "Last Active". The three major bureaus are pretty good about putting this information in a separate column (near or underneath the Date Opened or Last/Date Reported). If all else fails, contact the creditor/collector directly (not the credit bureaus) for the most accurate information about the Date of Last Activity.
Can a reporting agency change dates on credit report after a dispute?
Yes, the credit reporting agency can update the Date of Last Activity, Date last Reported, etc... But they cannot change the FCRA compliance date, which is the date the account is supposed to come off your credit report.
Does closing a savings account affect your credit report?
No. If you personally close your bank accounts, it will not be reported to any of the credit reporting agencies. However, if your bank closes your savings account due to negative activity on the account, such as overdrafts, NSFs, etc.. they will be reported to CRAs.
Can a credit card debt that was charged off and sold to a collection agency be reported on your credit report?
Yes.
Does an account put with a collection agency always show up on your credit report?
This depends only if the creditor originally reported your account to your credit report.
Is a financial association created on your credit report when two people apply for any type of joint financial account?
Yes, anytime you open a new credit account, even if it is a joint account, it is reported on your credit report either when it is opened or when it is unpaid.
Are misdeamors reported to your credit report?
no, it would be in your criminal report.
How do you find the date of last activity on an account on your credit report?
Where to find this information on a credit report unfortunately depends on where you obtained your credit report from since they (credit bureaus, mortgage lenders, etc.,) can all use different formats. However, there should be a column or section under each creditor/credit item listed that shows "Date of Last Activity", "DLA" or "Last Active". The three major bureaus are pretty good about putting this information in a separate column (near or underneath the Date Opened or Last/Date Reported). If all else fails, contact the creditor/collector directly (not the credit bureaus) for the most accurate information about the Date of Last Activity.
How often do credit card balances get reported to your credit report?
Monthly
Does being denied for credit lower your credit score?
Yes. It is reported on your credit report.
Is loan from 403b reported on credit report?
yes
Can a reporting agency change dates on credit report after a dispute?
Yes, the credit reporting agency can update the Date of Last Activity, Date last Reported, etc... But they cannot change the FCRA compliance date, which is the date the account is supposed to come off your credit report.
If your credit report says you have six cards open how can you find out what they are?
Look on the credit report. It has to list what accountd are opened
Does closing a savings account affect your credit report?
No. If you personally close your bank accounts, it will not be reported to any of the credit reporting agencies. However, if your bank closes your savings account due to negative activity on the account, such as overdrafts, NSFs, etc.. they will be reported to CRAs.
Where can you find the date of last activity for an item on a credit report?
Your TRW should have a date field where the vendor last reported, like (10/99) for october of 1999.
What agency can produce a report about your past and present credit activity?
a credit bureau
How long before negative information appears on credit report?
Immediately, that it is reported to the credit agencies.
