It is def for 7 years- if you have del accounts that have cleared the 7 year mark, you need to personally write to have them eradicate the old accounts from your report. There are 3 major bureaus and as inconvenient as it is to us consumers, we have to compile three different letters (the bureaus always seem to report inaccuracies in our credit history along with reporting differences between the bureaus itself). Every U.S. resident is allowed a free credit report per year, which we all need to take advantage of. Besides our own personal debt issues, we have another risk of being the victim of identity fraud. I hope my years in finance has helped you..
if you have not been inundated with the commercials, you might not know to go to freecreditreport.com or annualcreditreport.com... also, its so good to check your credit before any MAJOR purchase- it will even the playing field in terms of finance rate negotiations:)