<prompt> Human: Last week on Credit Karma, my payment rate was 95 horrible because of a shared auto loan between myself and my ex wife, where she missed multiple payments. I finally got her to pay it off completely with tax return money and it has shown up as a closed account. My payment rate is now at about 97 and only lists a few old missed payments, none of which are from the auto loan.Do missed payments drop off like that when it comes to installment loans? Or would they show up on a real credit report?  <response>: They remain on your report for 7 years. 