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Question By
Sweetytpal

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It is about my credit
After 7 years does the report come off even if it is paid off or not

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Been There

I have found that evrything goes on easy, but nothing comes off automaticlly. When i made the commitment to clean up my credit, I questioned everything on all three reports and put it back on them to add what was still valid. This removed all the old stuff and even some that was not so old. You can also just request the one item.

Good luck!

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Depends on what type of accounts, generally paid or not have same reportable periord, charge-offs, collection accounts, judgements the reportable length is 7 years, technically the collections is 7 year plus 180 days from Date Of First Delinquency, but CRAs routinely remove it after 7 years. Account with late payment(s), the late is removed after 7 years but the whole account may remain. Unpaid judgements can be renewed, certain unpaid student loan can remain until it's paid, same usually goes for unpaid tax liens.

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The starting date of 7 years aren't always well defined, it can be DOFD or could be when creditor send you notice of default and demanded payment in full. You need to do bit of research on your own, and some States may have different reportable length regarding different types of debt.

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