Does the 7 12 months rule of previous debt falling off your credit score report apply from the primary date of the delinquency?
I entered into settlements in late 2020 after sure life occasions, with a few 12 months of delinquency prior. I by no means used a 3rd get together however at all times negotiated straight with the enterprise and bank card firms.
The month-to-month funds had been a hardship however I labored further. Not too long ago I’ve fallen behind once more and am discouraged…. Although I did handle to pay 1000’s throughout this era.
Would these fully be erased on the 7 12 months mark though I’ve been paying on them many of the final 5+ years?
Thanks a lot
