how long does a late payment history remain on a credit? ... i have a acct on all my credit reports from all XXXX credit reporting agencies since 2003 ... NO ONE CAN TELL ME WHEN THE ACCT IS GOING TO BE REMOVED ... I THOUGHT A NEGATIVE ACCT. REAMINS ON YOUR CREDIT FROM THE DATE OF THE FIRST DELINQUENCY ... BUT EXPERIAN INFORMED ME ITS THE LAST DELINQUENCY ... PLEASE HELP THIS NEG. INFO IS RUINING MY CREDIT.I HAVE DISPUTED THE ACCT WITH ALL XXXX CREDIT REPORTING AGENCIES, AND MY CREDIT REPORT HAS REMAINED THE SAME WITH EVERY DISPUTE.THE ACCT IN QUESTION IS A STUDENT LOAN ACCT FROM XXXX. 
