said by tdumaine:And for your reference, I've already got a secured card and am rebuilding my credit. Thanks. said by silentlooker:
Negative score goes off your credit report after 7years. To say that person will never get credit again if they don't pay is just wrong.
Yes the mark goes away, but then explain the long gap in credit, avail credit, etc. They will be able to get secured credit, and work their way up again