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 y