Credit Report 'fall off' and reporting practice question? I have read many answers on here to this interview and

I have read many answers on here to this interview and most of them have confused me even more. I see often that the date the '7' year splodge starts is actually 180 days prior to the date of last stir and then some one else says it's 7 years from the date of later activity. So say in attendance is an account that the date of last commotion was October, 2001 when would this account drop bad the credit report?
Also can you legally have 2 seperate lines on your credit report for 1 statement (the orig creditor and then a collection agency that was sold the explanation from the orig creditor)?

Answer:
Ok last question first. No. if the reason Number matches the other then one requests to be removed. However if the acct. numbers are different then you will have to prove that the the accounts are matching one. this requires filing papers with the CRB proving that one statement is the Credit collections and the other is the original debt. And then the CRB will transport a letter to both companies and it is up to one to retract the line. normaly it is the collection Agency that does this.

in a minute question 1. the answer is seven from listing date assuming no payments enjoy been made or debt is paid within full. If you are making payments then debt falls off 7 years from final/last leisure. In some cases a debt can go back as far as 15 years if you trade name sporatic payments... CH7,-13 all stay for 7yrs and can be overcome within 2-3 if you reestablish a moral payment history prior to the 2 year mark.

Good luck

Patrick M give an excellent answer with 1 error. Ch7/13 (bankruptcy) may stay on your report for 10 years. Other items are limited to 7.