This info you provided has been very helpful to me also. But, I have a question about the “date of last activity”. I also read this from Suze Orman. She also says if its been charged off, that would be considered the last activity.
Not the activity from the collection agency who purchased the debt, but the “last activity” from the creditor. But, when I recently reviewed my credit report I saw the credit put my last activity with a date range. What the heck is that? It says Charged off June 2000 – May 2005. I wrote the bureau and asked them to define that. How can it be a range?
Do you have any additional info re: this? thanks