What happens with expats' credit reports?

Question

What happens to your credit history if you have been out of the US for over 7 years and did not maintain any accounts there? If you came back and someone ran your credit report, would your score be based on the data from the last time you were in the US or would it have all been erased after such a long period of inactivity?

Answer 1

Accounts that were closed, by you or the creditor, while in good standing should report for 10 years or longer from the date of closure.

Accounts that are negatives become obsolete at 7 years but will remain, unless disputed as obsolete, for 7 1/2 years from the date of first default.

If you had negatives and it has been longer than 7 1/2 years, then those should not be reporting

While the creditor/collector cannot continue to report negative accounts past the credit reporting time period, they could still sue if they wish since the "collecting" SOL stopped running (tolled) when you left the country

If you had accounts in good standing and it has been less than 10 years since they were closed, then they should still be reporting and will be seen if you or a creditor pulls your reports.