how long for past debts to fall off credit report
Once you get your credit reports, you can check to see which debts are still appearing. The rules for the reporting of debts can be found in the Fair Credit Reporting Act, or FCRA. The act states that most negative items must be removed from your credit report seven years from the first date of delinquency. Some exceptions to the seven-year rule include: Chapter 7 bankruptcy filings (10 years). Judgments (seven years or until the state statute of limitations expires, whichever is longer).