Ive seen many different post concerning the entry date that the 7 year period is measured from . Ive always been told since dealing with credit that the drop off date is figured from date of last activity. I have seen post stating that drop off date is from date of charge off which on equifax does not give a percise date. I am viewing my equifax report under section labled ( FACTS YOU SHOULD KNOW ) collection accounts: Remain for 7 years Credit account paid as ageed remain for up to 10 years. Accounts not paid as agreed remain for 7 years . ( The time periods listed above are measured from the date in your credit file shown in the '' date of last activity '' field accompanying the particular credit or collection account. This being the case all account drop off 7 years from date of last activity . Its stated clearly in the report. And indeed if accounts drop off from date of charge off then when does an account that was paid as agreed an in good standing drop off .I KNOW THEY REMAINS FOR TEN YEARS BUT FROM WHAT DATE?