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Roselady35

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How long do negative items stay on your credit report?
I have something that is 11 years old still on my report

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Top Contributor
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It depends on what it is. A federal loan that is unpaid is exempt from the seven year rule.

Are you sure this account is negative? Never try to remove accounts closed in good standing.

If you determine that this is for sure a negative account, then dispute it with the credit bureau reporting it. Be aware if you dispute it and it is removed and it was not a negative account, your credit will be damaged.

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