Seven years only applies only to certain delinquencies, not all information in general. Most "aged" reports will have information dating back well past seven ye

Seven years only applies only to certain delinquencies, not all information in general. Most "aged" reports will have information dating back well past seven years (loan origination dates, address history, former name(s) used, etc.). Usually a closed account will stop being reported to credit bureaus 10 years after the last activity on that account. I don't know if that's due to law or custom. My own credit report contains accounts closed more than seven years ago but less than 10 years ago and it does NOT include the one account closed 13 years ago.