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  • I was first diagnosed with cancer over 15 years ago and my bad debts still show on my credit report?

    I have had no dealings or contact in anyway with my creditors in over 15 years. I am not proud that I have been unable to pay my debts, however my income stopped when I became ill. I have not applied for or used credit of any kind in the last 15 years either? I was under the impression that by bad debts would "fall off" my credit report after 7 years.

    I recently applied for a $500 credit card to rebuild my credit, but "I was told I was denied due to my bad credit history". I have had no debts in the last 15 years.

    Why are debts from 15 years still showing on my credit reports?

    6 AnswersCredit1 decade ago