I stopped paying my 2nd heloc for several years and have been receiving billing statements from them still but I just noticed that 2nd loan is no longer coming out on the three major credit reports. Not sure why???
After Seven Years since the date of first delinquency, and last payment made, servicing companies are required under Federal Law to stop reporting the debt. The only way it would re-report or come back to life on your credit report, is if you made another payment, settled the account, or a judgement was issued against you for the debt.