Yes, credit does clear after 7 years. This means that negative items on your credit report, such as late payments, collections, and charge-offs, will typically be removed after 7 years. However, it's important to note that some items, like bankruptcies or tax liens, may stay on your credit report for longer. It's also worth mentioning that you can take steps to repair your credit before the 7-year mark by making on-time payments, reducing your credit card balances,
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