Hi everyone...need help w/ SL tradelines.

[celtany]

Like a couple of others on this board, I have quite a few SL paid as agreed charge-offs...they are showing as re-financed, but severely negative. They were opened in '94 but date of last activity is September 2002.

 

I spoke to Equifax...and the rep. told me that this negative info. would not fall-off until 10 years from the date of last activity. I thought from reading the backround ifo on this site, that it was 7 yrs....and when does the clock begin -- from last activity?

 

My problem is that I have multiple loans with the same lender, so it's severely affecting my score.