For fruitless credit removal when does the 7 years initiate? Date of Last Activity? Date of Last Payment?

Date of finishing expense, if my memory serves me correctly.

Of course, that will translate to 7 years of phone call, collections, correspondence contained by the e-mail, the lender threatening to appropriate you to court, etc. (they usually don't if the debt is below $1000).

If you compensate TEN DOLLARS within year 6, it will restart because you acknowledge the debt and they will turn to your credit bureau and report you for a recent transaction - thus starting the process over again.

Actually it is neither of those. It is from the date of the later delinquency(which is different than ending activity). So if you have a transfer of funds due on 7/2007 but has-been to clear it, after 7/2007 is when the 7 years starts.

If you form a transfer of funds at anytime during the 7 years, unless you compensate it rotten, that resets the counter again. So if you produce a money on 10/2007, but go wrong to formulate one on 11/2007 later 11/2007 is your clean delinquency date.
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