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What is the date of last activity? Credit report terms explained
the date of last activity explained in plain language for Canadians: what it means on your Equifax or TransUnion report and what you can do.
What the date of last activity means
The date of last activity is usually the last time you made a payment on the account. Most negative items are removed about 6 years after it. Collectors are not allowed to change this date to keep an item on your report.
General information only, not legal advice. Laws change; check the current rules for your situation.