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All Rights Reserved. Delinquencies that are reported longer than 7 years Generally speaking, derogatory credit information has to be removed from your credit report after 7 years from the date of first delinquency.

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Under this statute, the companies that are responsible for damaging your credit report are held responsible for paying damages to you plus our fees and costs. I would recommend this attorney credit restore system to anyone! Sometimes a debt buyer or a collection agency may re-age the date of last delinquency so that negative information stays on your credit report longer than seven years.

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