Delinquency cannot be removed after two years of on time payments

Dear Experian,

If payment has not been delinquent for two or more years can it be removed from potentially negative status?



Dear FRA,

The “potentially negative” items list in your personal Experian credit report is provided to bring to your attention items that might be viewed negatively by your lenders. While Experian does not rate the items as negative, any account that includes negative payment history will likely be viewed as negative by lenders, so will be included in the list.

The intent of the list is to help you identify the items so you can take appropriate action to improve your creditworthiness.

Late payments remain in your credit history for seven years from the original delinquency date, which is the date the account first became late. They cannot be removed after two years, but the further in the past the late payments occurred, the less impact they will have on credit scores and lending decisions.

Thanks for asking.

- The “Ask Experian” team

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