I recently pulled all three credit reports. Here is the scenerio. A realestate loan was opened in 1998. 30 days late three times in 2002 (june, july, aug 2002). This loan renewed in 2004. How long will the negative marks stay on my credit file(s) is it seven years from the late payments (2002) or is as the bank told me seven years from when the acct renewed in 2004?
Thank you for your help.
