Of course they drop it, they do a pretty good job of it too.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
but that's not fair! 
@Anonymous wrote:but that's not fair!
Sadly its the way the game works.
However your forgetting that quite a few OC don't report (utilitiy companies) and then there are quite a few CA that will delete once the account is paid off.
Granted there are also bottom feeders.
But I look at it this way - if I mess up either on purpose or by accident there is punishment for my actions and choices. That is no different than someone who commits a crime. If I went and car jacked some old lady and then got arressted and her car was returned to her literally 5 hours later should that mean that I only go to jail for 5 hours?
Not exactly the same situation but I've looked at my punishment for spending more than I could afford as my bad credit report. NOW to prove I'm transformed and a better 'citizen' of the credit world, I've worked hard to clean up my reports, be on time, not over-extend myself so that if there is a "whoops" in my life I don't have to pay via my credit report. That doesn't stop me from trying to get out on parole though and I have been working very hard to get stuff removed.
@Anonymous wrote:but that's not fair!
I must know why you believe it's not fair. Would you mind?