Anything over 7 years without any “activity” should be removed from your credit report. Except for bankruptcy and judgments.
Just the nature of a credit event will impact your credit score to the downside. Once the credit issue is identified, your score will slowly rise back up.
Did you know that moving from place to place will lower your credit score quite a bit.
It is advised to use a permanent address when applying for credit if possible.
Did you know a score of 700 is a great starting point for creditors.