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Ten years ago when I lived in the U.S as an international student, I accumulated credit card debt and left the country without paying due to financial hardship. I am unable to check my credit report to know what happened to them. Is it true that negative items falls of the credit report after 7 years ? If I return to the U.S. in the future, will I be able to get an apartment, phone, bank account....etc. without problems ?


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