Not at all. The law limits the length of time that negative items can remain on your report to a maximum of 7 years. But the credit bureaus are able to delete these negative items any time they see fit. 


Remember: Any item on your credit report that doesn’t meet the three requirements of reporting one hundred percent accurately, being completely verifiable, or reporting within the statute of limitations MUST BE REMOVED from your credit report. Even if you didn’t pay the account, it’ must be removed, that’s the law.