Can someone give me the path of reading (FCRA, FDCPA, etc.) that states what qualifies as a date of last activity? Is it payment, new load? My reason for asking is reported as Fairlane Credit DOLA 03/2005 (Date of Bankruptcy CH 7 application) to an account that they were closed reporting / transmitting 02/2001. It results in the account on my credit report for another 4 years of residence (by Equifax). If I dispute copies of previous CR that government account / transfer closed 02/2001, they tell me that the creditor verifies the information (DOLA 03/2005) as correct.
rn
rnBitte help.
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Reply:DoLA is the date of the last payment on the account. That's reaging.
January 5th, 2011 
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