Shouldn't these accounts be totally off report

Were they closed in 2007/2008? If negative accounts, when was the date of first delinquency? If positive accounts, they can stay on indefinitely, but no earlier than 10 years from closing.

Astuart881 wrote:
I have 5 accounts that are closed from 2007/2008 shouldn't these accounts be totally gone from my report by now?Only charged off accounts follow the 7.5 year rule. Accounts that are simply paid and closed (by you or the creditor) are positive accounts that report ten years from closure.

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