Negative-item drop-off date calculator
Estimate when common negative items may age off a credit report from type and start date.
Estimate when a common negative item may age off a credit report from the item type and start date. Educational FCRA-style timelines only - not legal advice or a bureau guarantee.
Use original delinquency when known
Estimated drop-off
Jan 15, 2029
- Start date
- Jan 15, 2022
- Reporting window
- ~7 years
- Days remaining
- 918
- ~Years remaining
- 2.5
Collections commonly fall off about 7 years from the original delinquency, not the collection transfer date. Bureaus and furnishers can differ - this is educational only, not a promise the item will fall off on this day.
Educational estimates only. Not credit repair advice, not a guarantee of score changes or loan approval. Results vary; we are not a lender or law firm.