Free toolBeta
Collection Age Calculator
The 7-year clock, plain-language
Enter the date of first delinquency and the calculator tells you when the FCRA §605 reporting window closes — plus flags any signs of a re-aged debt.
Coming soon
What this tool does
- Uses the FCRA §605(a) 7-year + 180-day rule
- Detects mismatched DOFDs across bureaus
- Suggests the right dispute pathway if the clock has already run
- Fully educational — no PII stored
Not ready yet
The interactive version of this tool is under construction. In the meantime, the full audit and generator cover the same ground with your real report. Educational only. Results may vary.