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How do I know if my FICO profile is clean or dirty?
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Hello, new to the sub and to learning about credit scores in general, I'll be sticking around to try to learn as much as I can!

I recently read this post by /u/MFBirdman7 and it was very enlightening, although I do have some questions. First and foremost - how do I know if my credit profile is 'clean' or 'dirty'?

I have an old card that went to collections but it no longer shows on my credit report (older than 7 years). Would that be enough to flag my profile as "dirty"?

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Posted
2 years ago