How can you tell when an IIB item will drop off?

[Anonymous]

On DH's credit report there are 2 negaive items that show IIB.  He had a BK7 in 1/2003  The only information on them (aside from being IIB) is:

BofA CC
Date opened: Sep, 2000
Date of last activity: May, 2002

Zales/Cbsd
Date opened:  May, 2001
Date of last activity: Dec, 2002

TU reports that the BofA will drop off in 4/2009, but that's all the info I can find.

What determines when these baddies will go away?

[chartley3]

IIB usually drop off in 7 yrs. The Ch 7 stays on for 10.