While I can't say for 100% certain if that's true or not, I can say this. Derogatory info does fall off of your REPORTS after approx 7 years (with some exceptions). But all of that information is still contained within your credit FILE if I'm not mistaken. Meaning when formulating a score such as one of the enhanced scores, it may very well take into consideration those older items still on your FILE. Very interesting information. This kind of sounds like a RobertEG kind of question.
Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)