Transition: The Most Intense Phase of Labor. Transition, unlike active labor, is the storm before the calm that is the pushing stage. It is by far the hardest part of birthing, but also the shortest. It is here that a mother's focus might falter. This is the stage where women may doubt their ability to birth the baby and request medications.
Even if closed, the accounts that have no late payment history remain on your credit report for 10 years from the date closed. As long as the positive information remains, it contributes to a stronger credit history. So, removing those accounts early actually could be harmful to your credit scores.
It does depend on the type of negative information but here is a breakdown of how long different types of negative information will remain on your credit report: 1  Late Payments: 7 years. 2  Bankruptcy: 7 years for completed Chapter 13 bankruptcy and 10 years for Chapter 7 bankruptcy.3  Foreclosures: 7 years. The length of time a negative mark can stay on your credit report starts from the time you were late or the late payment went into collection, not from the last time you made a payment on the account.