I recently noticed that my payments (late and on-time) were falling off of my Nelnet student loans after 4 years?
Everything I read tells me it takes 7 years for items to fall off of your credit report.
Any ideas on what is happening here?
Where are you seeing these reports?
They *can* fall off sooner, but I have seen some reporting sites only report out four years - pull your consumer reports with annualcreditreport.com to be sure.
7 years for (most) negative items, 10 years for (most) positive closed items. Unlimited for still-active accounts.
But the detailed monthly payment data is usually capped at 36-48 months.
There may still be a indicator of "worst payment status" (30/60/90/etc) on the account itself, even if the monthly data is no longer visible. That indicator would clear at 7-ish years.