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length of time for derogatory remark stay on account
How long does a derogatory remark such as late or no payment stay on report? I had a chap 7 bankruptcy discharged over 10 years ago. I no longer see the bankruptcy but all of the accounts discharged are still shown and some show late or no payment. When do they drop off? Also at one point I had one of those credit companies that negotiate a lower payment and only one payment. I was only with them for 4 months and returned to paying the credit cards again. I show no payments for 4 months and that was a while ago. How can I get that removed?

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