Did they have negative payment history before they were closed? If not, they'll stay on your reports for 10 years. It's actually a good thing to have them stay as long as possible if that's the case.
If they did have negative payment history, the negative notations will stay up to 7 years + 180 days after the date of first delinquency before falling off.
****If the tradelines are in default status, the negative reporting works differently.****
800+ for all 3 CRAs.
Student loan forgiveness/discharge FINALLY complete.
