sam m asked:


I’ve heard that “baddies” stay on a credit report for 7yrs from the date of first delinquency.

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newtobigd78 asked:


My credit report shows an old delinquency that is due to expire in April under the 7-year rule. Is there any way that I can get this removed by the credit bureaus 2 months early or do I have to wait for an exact date and time?

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Stephanie N asked:


I understand that negative items remain on your Credit Report for 7 years after the date of Original Delinquency, but how do I determine when this date incurs? Since the “Date of Last Activity” changes extending the date of deletion on your credit report, how can I determine when items should drop off?

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