Between 1995 and 1997 I had some accounts open with two different finance companies (american general and kentucky finance). When does stuff come off your credit, after 7 or 10 years? Also is it from the date of last activity or date opened?
Negatives remain for 7 years from the Date of Last Activity in which the account never again became current - in other words, the date of last delinquency. Except for Bankruptcy and Judgments - those remain longer.
date of last activity , but it should be changed to date opened. The reporting should not last longer than the account.
It also depends on whether the entry is good, bad, or ugly; and in some cases what state you are in, and a few other variables. 'good' trade lines can stay indefinately (but they're deleted after 10 years) 'bad' trade lines can stay for 7 years, unless your state has a shorter time limit (NY, 5 years for PCO's for example.) Then actually, even the things which aren't on your report, can still actually be there when certain reports are run.
