> I think once you pay off a debt it's removed from
> your report. So they don't even know about it.

Old accounts will stay on the report for a number of years before they drop
off.  When I pulled my credit report last year my auto lease from 2000 was
still on there (paid out in 2003).  I'm about to pull mine for this year so
it will be interesting to see if it's still on there.  They leave the old
stuff on to show history and to track stability over time.


-Justin



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