zlacker

After 7 years your credit history should be empty. So likely you couldn’t get loans for lack of credit history. There is also no such thing as a VA vehicle loan. Many of us went through this same thing in 2012.

>>tekkni+(OP)
It wasn’t empty, but apparently only having credit limits of less than a few thousand dollars when you are making over a hundred k a year is a red flag. Also, just because you don’t see the negative things in your credit report doesn’t mean it still doesn’t affect your score. The US credit system is all kinds of fucked up. I’m glad I don’t have to deal with it anymore.

>>within+5x
> 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.

>>tekkni+yp3
The missing caveat from my personal experience is that this was all years ago. Things are probably different these days, especially after the recession.

>>within+Zp3
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.