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tokienut

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does closed deliquent credit accounts fall off in seven years or less?

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At least 7 years.

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Any non active credit account will vanish from your credit report in about 7 years from date of last activity.  Bankruptcies often stay for 10 years.  Some judgements may be renewed, so they'll last longer.  Student loans last until they're paid off, no matter how long it takes and there is very little that can be done about that.

The statute of limitations for collections varies by state (max is usually 6 years), but the 7 year fall off is federally mandated.

Reply by
Leo1239

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Enter Your Reply  So how do you get them to come off?  It has been over 7 years and they are still affecting my score.

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How to remove something after 7 years?

I have derogatory items on my report that are over 7 years - how do I get them to come off?

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