Learn how long certain types of information remain on credit history

Luckily, there are set time frames for how long negative information remains on a credit report.  In general, negative information more than seven years old from the date of last activity (ten years for bankruptcies) must be removed from your file.  Here is a rundown of how long certain types of credit information will remain on your credit history:

Collection Accounts

  • Collection accounts generally remain on your credit file for seven years from the date the account first became past due, leading to the account's placement with a collection agency.

Public Records

  • Judgements generally remain on your credit file for seven years from the date filed, whether satisfied (paid) or not.
  • Paid tax liens generally remain on your credit file for seven years from the date released (paid).
  • Unpaid tax liens generally remain on your credit file indefinitely.

Bankruptcy

  • A bankruptcy under chapter 7 or a non-discharged or dismissed chapter 13 bankruptcy generally remains on your credit file for ten years from the date filed.
  • A discharged chapter 13 bankruptcy generally remains on your credit file for seven years from the date filed.




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