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.