Why does my credit report only list 48 months of payment history, not 7 years?

[Anonymous]

My free credit report lists up to 48 months of payments, but I thought credit history goes back 7 years. Is there more there that I can't see?

Thanks!

[MidnightVoice]

The rest counts, it is just not shown (lack of space - imagine if you had a 30 year old open and active card  )

[Anonymous]

If there was something negative to be reported but wasn't shown because it was old, would it then list the account as adverse?

[MidnightVoice]

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ace9848 wrote:

If there was something negative to be reported but wasn't shown because it was old, would it then list the account as adverse?

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Presumably - if it was less than 7.5 years old, or 10 years for a BK