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tbe71

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When do items fall off the credit report? 7 years from closing? last payment?

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Credit accounts that are closed but were paid as agreed, will normally remain on your credit report for up to 10 years from the date of last activity.   Accounts that were not paid as agreed and charged off will generally remain on your credit report for seven years days from the start of the delinquency that led to the charge off.   Accounts which were not charged off, although became past due would report for seven years from the date is was reflected as past due and closed.  If you had an account which was past due and you made infrequent payments would still be an open account.  Only when the creditor closed the account would the time limit of 7 years apply.   If an account was closed and you continued to pay on the account, the closing date is used and not the last payment date.
 

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