Equifax showing late payment from 2007

swindiff

I was under the impression that any negatives that could affect your credit report were removed after 6 years. Equifax are showing a late CC payment from Aug 2007 on my report. The account was settled in Nov 2009

This is then showing as a negative attribute on checkmyfile.

I would post links to the images from the report but as a new user the forum won't allow me to do so.

fermi

CRAs show a rolling 6 years history until an account is settled or closed. Then that preceding 6 years history is basically frozen and shows for 6 years from the settlement date.

So it's possible that adverse markers can be showing up to 11-12 years after they occurred in some circumstances.

Does seem more than a tad unfair, but markers of that age are also arguably not going to have much or perhaps any impact either.

swindiff

So it should drop off the report in November then?

fermi

Correct.....