baddies fall off

[laryn41]

do they fall off 7 yrs after paid or opened or when acct closed?

[Anonymous]

after last payment date to them before derog.

[laryn41]

what if paid and says derog? but 0 balance.  Do dreditors no it's paid?

[Anonymous]

I think the derog is the fact that you were late or CO on the account

then they would be reporting it correctly, 0 balance shows it was paid.

[Tuscani]

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=2689