:mad: I recently requested a copy of my credit report because I had paid off some chargeoffs and bad debt. I am trying to determine when these accounts will drop off my report. There are 2 different dates for last activity and last payment. What date should I go by? Also, 2 accounts only list a payment date, no activity date.

Actually, payment is considered "activity"... one of those catch-22s.

As for showing 2 different last activity dates, I'm not sure. What report are you looking at:
TransUnion
Equifax, or
Experian?

Looking at Equifax