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Question By
akb2017

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will a debt that fell off my report, ever show up again if i want to purchase a house?
I have an old credit card debt that fell off after 7 years. I have heard that when purchasing a house the credit check is more in-depth and that this may still show up even after it's fallen off. Is this true? Is that something I should worry about if I plan to purchase a home or car?

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Nope.

Once it's gone, it's gone. Lenders at the credit reports, and gets income verification (and tax returns for the past 3 years if you;re doing FHA or VA loans). They don't have any 'secret' way of seeing beyond seven years into the past (which is as far as the credit reports go).

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Reply by
Random789644

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Oh, forgot one bit: If you have a Chapter 7 bankruptcy, that will hang around your reports for 10 years, but otherwise 7 is the limit for everything else. :)

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