Will negative items come off my credit report automatically after the time limit?
August 17th, 2010 by Guest
A few delinquent accounts on my credit report will pass the seven year mark in a few months. I have heard that seven years is the limit for these to stay on your credit report, is this true? Also, will they be removed from my report automatically or do I need to do something once the fall off date has passed?
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Usually they fall off on their own, but sometimes you have to remind the credit bureaus to remove them.
Typically they come off automatically, but after a month or so and they don’t come off, contact the bureau and request that it be removed.
As far as I know, it should be removed automatically.
It should be 7 years from the time of the last activity on the account. The question is – did you pay off the debt or settle the debt? Also, these guys are right – no matter what – check in with the credit bureaus 60 days after the desired date to ensure that it has been taken care of.