I deployed out of country in May 2001 and somehow none of the payments I had written checks for (credit cards, utilities, etc) were ever received.... Checks were never cashed and I never had a problem with an identity theft. Best I can guess is that the entire stack of mail was taken from my mailbox...
I got everything squared away and paid for upon my return... Still, I've got 6 negative reports on my credit report (all either from May or June 2001) showing a past due of 30 days. Heck, 4 of the 6 are now closed!
My question: Will these late payments forever haunt my FICO score or do they drop off after 7 years like bankruptcies? My FICO is close to breaking that 700 mark and it'd be nice if those bad remarks were removed from consideration....