Years ago I had a car accident and was out of work and got in trouble with all my creditors. My credit since I got healthy has been excellent but I am haunted by stuff that is 7-12 years old on my credit report
My credit report is loaded with old debt 7+ years and many 10+ years. How can i get these removed?
Past delinquent accounts will fall off after 7 years. So it sounds like anything older than that on your credit report was some sort of public record or legal action.
Issues that old should not impact your credit. What hurts it more is the lack of new credit use. Please read How to Easily Rebuild Your Credit and Have Good Credit Again.