It has no bearing when it was noticed, not everybody looks at the wheel arch if it dirty.
That is not a stone chip as it doesn't start from a localised position, paint is also coming off in a line which a stone chip wouldn't induce. That is either a poor repair where the galvanising has been removed or it was faulty paint.
That is not a stone chip as it doesn't start from a localised position, paint is also coming off in a line which a stone chip wouldn't induce. That is either a poor repair where the galvanising has been removed or it was faulty paint.