Payment history repair questin? - Credit Karma

[Anonymous]

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@mikemsceo wrote:

Hmm...

Every 7 years.. or 7 years from the date of.

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It will show up as reasons for adverse action but won't factor into score after 3 years or so.

[Anonymous]

Unfortunately I've known of baddies showing up 8 years later via collection agencies.  Be careful with baddies and how you deal with them.  This forum has a lot of great info on how to deal with them and how to get them removed.  Works for some, not for all.

[Skye12329]

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@Anonymous wrote:

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@mikemsceo wrote:

Hmm...

Every 7 years.. or 7 years from the date of.

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It will show up as reasons for adverse action but won't factor into score after 3 years or so.

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Yeah but score is only a number its the profile, My sister has a 759 score because she is an AU and has 1 Discover card opened this month. I have 700 but a thicker profile, So score is only a number but the profile is key. Some lenders might still view that baddie as a denial reason even after the 3 years mark