Negative information on my credit report?
How long does negative information remain on the credit report?
Equifax, Experian and transunion stores information from credit grantors and public records, including bankruptcies, judgments and liens. Missed payments and most public record items remain on the credit report for seven years, with the exception of Chapter 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for up to 15 years.
Active positive information may remain on the report indefinitely.
Requests for your credit history remain on the credit report for up to two years.
Your credit report contains information about where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home
- The late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years.
- Collection accounts remain seven years from the original delinquency date of the original account. Collection accounts are treated as a continuation of the original debt
- The 13 bankruptcy is deleted seven years from the original filing date because at least a portion of the debt is repaid. Chapter 7 bankruptcy remains 10 years
- Civil judgments will be in your credit report for seven years from the filing debt, this is a debt you owe through the court.
- Unpaid tax liens remain 10 years from the filing date and seven years from the paid date.
- The impact of inquiries on credit scores is minimal and remain two years from the inquiry date.
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