it's 7 years from 1st delinquent payment as long as you never made more payments
u might have to notify bureaus though if they keep it past 7 years
so watch for the drop date
then complain to bureaus
Ghost in Bureau's from 1987 to 2010 (lot's of money no need for credit)
0 2010 in Bureaus
750 average beacon 2012
850 goal
