If you have Social Security credits in both the United States and Canada, you may be eligible for benefits from one or both countries. If you meet all the basic requirements under one countryâs system, you will get a regular benefit from that country.
Settled accounts are potentially negative and remain for seven years. Settled accounts stay on your credit report for seven years. Settling an account for less than the full balance owed is considered potentially negative because you did not repay the entire debt as agreed under the original contract.
Closed accounts that have been charged off can remain on your report for seven years plus 180 days from the start of the delinquency that led to the charge off. Closed accounts in collections can remain on your credit report for seven years plus 180 days from the date the account first became past due.