In my credit report they are one item thats been on it for 7 years and one items thats been on there 18 years I know this isn't much to report about but the credit bureaus should do whats according to the law about credit reports the consumer law states that stuff on the credit reports must come off after 7 years my credit score was 665 and fair and now it is only 582 and poor and I only one thing on there that was 245.00 And I owed that when my credit score 665 and fair so there's something going on with my credit score. read full review »