Senior Contributor
Noah_Bodie
Posts: 4,635
Registered: ‎03-11-2007
Fair Isaac merely has a scoring system. They maintain no...
Fair Isaac merely has a scoring system. They maintain no credit files as they aren't a credit bureau. EX, EQ and TU maintain credit files. Most negative reporting drops off after 7 years. Positive reporting, by law, can remain forever, but each of the three bureaus maintains their own rules. Sometimes they delete old info, either accidentally or perhaps otherwise. If it's an open account, then contact the bank or creditor and ask them to re-report. If not, then the creditor is under no obligation to do anything.