Does anyone know if the specific incidents of late payment, ie 01/15/97 - 30 days late, are purged from the account credit history every 5 years, 7 years or maybe never until the account itself is removed. My account is recently paid with many lates 3-4 years ago. I would like some information before my call to the creditor today.
7 years it is purged, however if your nice to the creditor they may be willing to work out an amicable arrangement.
Call and ask nicely. If they say no, call again. IF you've been a good customer since then they likely will do it.