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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:
- 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).
- 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.
- 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 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.