It is actually good news in most cases that your good account information stays on your credit reports
. Old car loans, old mortgages, and old credit cards - these are the types of accounts you want on your credit reports. They serve many purposes; first, they help to show that you have a long and old history of properly managing your finances. Secondly, they help to offset any negative impact "bad" items may be having on your credit reputation such as lien, charge offs, late payments etc. Getting free credit help is very simple and it shouldn't stop you from your financial dream. If you need help get help, it is free through many non profit websites and government agencies.