why is stuff from 2004 still included in my credit report
From what i understand, it doesn't hurt me because its saying "closed" "Zero balance" but this is over 10 years ago on both. I understand that bankruptcy do away/drop at 7 or 10 pending which one, but does that stick around like my student loans are? At what point does it completely drop off from the face of the earth?
I recently pulled my credit report and it shows 3 student loans against my name, even tho 2 are closed and 10+ years. I think people looking at my credit report at a glance might be under the wrong impression. I figure mortgage underwriters will do their homework and figure out they are paid in full but maybe car loan guys, credit card people, even my car insurance might not look into it.
At the end of the day, i just want to know when will it drop from the face of the earth?