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[bowener]

Originally Posted by Mark M

It depends on what you mean by "bad credit marks" and "disappear."

Bankruptcies are listed on your report for 7 - 13 years, depending on which chapter you file. After that, the notice is removed.

A missed payment won't actually "disappear" -- it will be listed as a red square amongst a bunch of green ones (or hopefully a bunch of green ones) in your payment history to the creditor in question.

But overall, yes, the records on your report usually only go back about 7 years or so. Your credit score, however, is cumulative and will reflect your entire credit history.

Hope that helps.

MM
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Why do we have credit, why cant they just take my ****ing word on it?

Also, how much do student loans affect your credit, and the credit of a cosigner?

If it helps, $32,000, soon to be ~$39,000 in loans.