If you have ANYTHING 7 years-old or older, showing negative information posting on your credit report (delinquencies etc.) I'll give you a doc. of the proper letterhead to use, when you dispute the findings to the 3 Credit Bureaus. I made mistakes when I was younger. After 7 years, they HAVE to remove all negative info. The 7 year mark is from the date of the last day of correspondence. Hence, if you know they're calling and you want the info to fall off, don't acknowledge them in any way, or the 7 year cycle starts over again.