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  1. I just signed up to this website today, and I am still not quite sure how it all works. I tried looking through some of the posts for the answer to my question, but the site was so big it was kind of overwhelming. Anyway, my question is, is that I just viewed my credit report and found that I have a medical account for $1000 that was first opened in november 1 2007. it was then updated november 1 2008. I never made any payments to this account (I was not aware of it until now). I read that after 7 years any delinquent account is deleted from your report. Is this true? and if it is, w
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