Do negative items remain listed on my credit reports for at least 7 years?
When you speak with credit grantors,
collection agencies, or credit bureaus, their typically under-educated
staff may tell you all manner of such pseudo-legal nonsense. The law
demands that negative listings appear on your credit report for no
longer than seven years. The credit grantor or the credit bureau can
choose to delete the negative credit listing whenever they see fit.
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