<prompt> Human: So I got a Chase Credit card around 16 bought around 2000 and hit the limit. 7 Years later I have completely forgotten about it until I tried to get a car loan from my credit union. They said I had this 7 grand debt and until I paid that off I couldnt get any loans. So I have no clue what my options are. I am pretty sure you are not supposed to get credit cards before you are 18 and I am wondering if I can use that to my advantage at all. Just curious as to what my options are?  <response>: Bad marks unpaid debts will fall off your credit score seven years after the first time you didnt pay when you should have. Ask for a copy from your credit report maybe the credit union will give it to you, otherwise you can get a free copy from all three credit bureaus once a year see here to see when your seven years are up. The link also gives more information about old debts, so read it. 