[Quigley]

Just got my Equifax report & It's broken up into a bunch of sections.

The Credit Information section contains a date of last activity field, along with the following explanation in the header:

This section contains information on each account that you've opened in the past. It is retained in our database for not more than 6 years from the date of last activity.

An installment loan is a fixed-payment loan in which the monthly payment does not change from month to month. Examples of such loans are a mortgage, car loan or a student loan. A revolving loan is a loan in which the balance or amount owed changes from month to month, such as a credit card.

The Collection Accounts section does not have a date of last activity field, but has the following explanation in the header:

A collection account under public records will automatically purge from the system six (6) years from the date of last activity.

The only Date fields contained in this section are "Date assigned" & "Date of last payment"... how do I know what the date of last activity is for this section if there's no field?

[Quigley]

Never mind - just realized this is a new entry on an old debt rehashed by another agency, I'll post regarding that issue in another thread.