> The US credit system is all kinds of fucked up. I’m glad I don’t have to deal with it anymore.
There is a law requiring the removal of debts over 7 years old. The only “report” that it would stay on is with an internal report with the specific bank.
The missing caveat from my personal experience is that this was all years ago. Things are probably different these days, especially after the recession.
Things are not different these days, this information comes from my experience from 2012. The 7 years law has likely been in place since before you were born.
There is a law requiring the removal of debts over 7 years old. The only “report” that it would stay on is with an internal report with the specific bank.