Dear Debt Adviser, How do I learn the timeline on my debt? I know after six or seven years the debt is removed. I would like to know if there is a way to see if it is gone. -- Mark Dear Mark, Now you see it, now you don't! It takes more than a magician to make debt disappear. It takes time. Here's how you know if a debt has vanished: Check your credit reports from the three major credit bureaus -- Equifax, Experian and TransUnion -- for free once each year. You can access your reports by visiting AnnualCreditReport.com. Once you get your credit reports, you can check to see which debts are still appearing. The rules for the reporting of debts can be found in the Fair Credit Reporting Act,
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