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How long does negative information stay on my credit report?

Negative information has a statute of limitations. For the most part, negative information stays on your credit report for seven years. There are some exceptions to this rule, however:

Credit Accounts:

  • Negative information remains for seven years from the initial missed payment that led to the delinquency.
  • Active positive information can remain on your credit report indefinitely (if a positive account was closed, it will typically remain on your report for ten years from the date of closure).

Collection Accounts:

  • A collection account remains for seven years from the date the account went into serious delinquent status, often the date of the first 180-day late payment.

Public Records:

  • Chapter 7, 11, and 12 bankruptcies remain for 10 years from the date filed.
  • Completed Chapter 13 bankruptcies remain for seven years from the date discharged, and for a maximum of ten years.
  • Tax liens remain for seven years from the date filed if paid and remain indefinitely if not paid.
  • All judgments remain for seven years from the date filed.

Inquiries:

  • Inquiries remain on your credit report for two years. *Note: Even though inquiries remain on your credit report for two years, they only count in your credit score for the first twelve months (one year).

New York State Residents Only:

  • Satisfied judgments remain for five years from the date filed.
  • Paid collections remain for five years from the date of last activity.

California State Residents Only:

  • All tax liens (paid or unpaid) remain for seven years from the date filed.




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