Credit Cards For People With No Credit

My understanding is the negative information is only allowed to be reported on your credit report for 7 years. So since I completely stopped paying my credit cards last August "06" should all negative information regarding these account disappear from my credit report in August 2013? or Since the credit companies continue to report each month when does the auctual 7 years start, is it when you last made a payment at all or is it when it's transferred to collections, or is it when it's made a charge off, please help. Thank you.
I still have 2 higher limit credit cards which I have a perfect payment history with. It's not like I wont have any Credit Cards I will still be building good history till 2013.

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