[rubyruby27]

One of the old CR's says it was closed in 8/01. Then in another section it shows the payment history--in that section it shows it was delinquent. To me but please correct my thought process if it is wrong, that would indicate to a reasonable person this account was closed for non payment therefore the date for the 7 yrs to start would be from the 1st delinquency.

Isn't the TILA straightforward on charging off, that they must charge off no later then 180 days or sooner, if the account was closed thats a negative and would indicate at some point it was turned over to collections (internal)--I don't have that info. but the payment history supports this.

The charge off is from the last payment.

The FCRA says any delinquent account that is placed for collection (internal/external) or charged to profit and loss.

Banking industry---if the account is closed for non payment or intermittent payments would that non indicate it went to internal collections.---Who has the authority to close accounts.

Just questions so I can research more to try and find the right answer.

I found proof it went to the collections dept (internal) June 2001.

The credit report says it was closed 8/01 so it has been re aged ?