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They fall off after seven years, except in the case of bankruptcy which stays on your report for ten years.
If you want them off your credit report sooner, then you must take action to repair your credit. Debt validation is the primary tool for that. You can get a free credit report that details using debt validation at the site below.
You can also write a Goodwill letter to the credit card company, and explain the reason for late payments, some will remove them, you just have to try and see what happens. Go to creditboards.com and get examples of GW letters and shoot them off.
Yes, it takes 7 years for the bad record to be eliminated provided that you don’t create anew.
I know of people who still have them on their reports over 10 years later. I am not sure if they ever go away if you do pay them off or file bankruptcy.