After 24 months, late payments count less. They are totally gone in 7 years.Charge offs/closed by creditor are gone in 7 years + 180 days from the last payment made.Foreclosure, I'm pretty sure that's like other public records and it could be 10 years, but check your state law on that one. Check out the Fair Credit Reporting Act. http://www.ftc.gov/enforcement/rules/rulemaking-regulatory-r...Ishtar
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