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jessieleah

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Which date determines when a negative item falls off my credit report?
There are a few dates for negative ticks on my credit report: Opened date, Last reported, date of last payment. Which one tells me when this will fall off my report, I basically add 7 years and that when it should come off?

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Date of last payment is generally the date to look at for most debts.  Judgements are shown under Public Record on the credit report and will remain for 10 years, as will a Chapter 7 bankruptcy.

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