Credit Report Removal Date Calculator
Enter the month you first fell behind on the original account. We'll estimate when a collection or charge-off typically comes off your report and the legal outer limit under FCRA § 605.
Runs in your browser. Nothing you type is sent to us or saved.
To estimate the removal date yourself, take the month you first fell behind and never caught up, and add seven years. The legal outer limit is that date plus 180 days.
How this works
The Fair Credit Reporting Act lets collections and charged-off accounts be reported for seven years. The clock starts 180 days after the delinquency that led to the collection or charge-off began (15 U.S.C. § 1681c(a)(4), (c)). In practice, the bureaus generally remove these items about seven years after the date of first delinquency. We show both:
- Typically removed around: date of first delinquency + 7 years.
- Legal outer limit: date of first delinquency + 180 days + 7 years.
Whoever reports a collection must report the original date of first delinquency (15 U.S.C. § 1681s-2(a)(5)), so a debt being sold to a new collector doesn't restart the clock.