Live tool: https://ababa1326.github.io/falloffdate/
FallOffDate calculates the federal removal deadline for late payments, charge-offs, collections, Chapter 7 and Chapter 13 bankruptcies, and hard inquiries.
- Select the negative item and enter its controlling date
- Get the date the item must be removed from your credit report
- See how much time remains and where today falls on the reporting timeline
- Download a one-time calendar reminder for the removal deadline
- Learn why paying a debt does not restart the federal reporting period
Everything runs in your browser. No accounts, no server, no analytics, and no connection to your credit report — the date you enter never leaves the page.
One self-contained index.html. Vanilla JavaScript, zero dependencies, no build step.
Hosted free on GitHub Pages.
LateMark explains the 30-day late-payment reporting line, and ReportsLow shows what credit card balance gets reported.
Educational tool, not legal or financial advice. Verify dates and estimated removal timing against your actual credit reports.