How many different ways can negative information remain on your credit file forever by being considered positive for the purposes of determining what negatives will eventually age off?
For example, if a credit card account shows a limit of $10,000, and a high balance of $15,000, it implies something went wrong, which is vaguely negative. If the high balance was more than 7 years ago, it should in theory no longer be shown. But if it's considered positive, it can be shown forever.
What other kinds of negative info can remain forever by being considered positive?
Late payments drop at ~7yrs from the date they occurred. Charge~offs and Collections drop at ~7.5yrs from the DOFD ( date of first delinquency ).
Positive accounts drop at ~10yrs from the date closed.
If an account is not closed, it can remain forever, even if it has negatives such as showing a $15,000 high balance on a card with a $10,000 limit. That's the point of this thread. To ask what other negatives can remain forever by not being considered negatives.
If it's not considered a negative then how is it a negative?
For example, if a credit card account shows a limit of $10,000, and a high balance of $15,000,
Unless it's a card that allows one to exceed the limit. Or limits were reallocated. High balance versus limit on its own isn't sufficient to indicate a negative.