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When a negative remark falls off the credit report after 7 years does it lower the credit score or swing it higher if the debt was never paid?

April 26, 2017credit report Credit score falls lower negative Remark swing

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When a negative remark falls off the credit report after 7 years does it lower the credit score or swing it higher if the debt was never paid?

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When the negative debt is completely erased from your credit history, your credit score will experience an upward swing. Also, the longer time goes by and you have clean clear credit (and the debt is still on your report), your credit score will improve.