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Subject:  Re: Is This New? Examining my Experian Credit Re Date:  5/14/2013  7:02 PM
Author:  aj485 Number:  307028 of 312954

I also noticed that my auto loan for the old FuskieGuzzlerâ„¢, paid off in 2005, is scheduled to come off my credit report in 2015. First, I would have expected it to fall off after 7 years.

Your expectation was incorrect. Accounts with deragatory information are required to be dropped no more than 7 years + 180 days after the first appearance of the most recent derogatory event. (The extra 180 days gives a missed payment time to be written off.) However, accounts with no derogatory information are allowed to stay on your credit report for up to 10 years after the account is closed.

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