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  1. #1
    Join Date
    Jun 2012
    Posts
    1

    Default How to Get a Correct Charge Off Date on a Credit Card

    My question involves collection proceedings in the State of: NH
    i live in NH for last 4 years before this i lived in MA ,, i had a credit card that was a joint account with my Ex-husband,, my last payment or billing cycle was over 6-7 years ago, i checked my credit reports and it was charged off and didn't show a date, but recently it was re-reported under a collection agency with a new date 2/2012 and very pass due,, how can i obtain the right charge offed date, would this be the date i can start counting down the 7 years to clear off my credit report..
    any comment would be greatful

  2. #2
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: How to Get a Correct Charge Off Date on a Credit Card

    the date this can be reported is 7 years from the date of first delinquency (actually I believe it as been clarified a bit and actually ends up being 7 1/2 years but not certain). The date of delinquency is the first date where you did not pay what you were supposed to pay. That is usually the first due date you did not make the required monthly payment.
    the charge off date does not come into play here.

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