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How long can negative items stay on your credit report?

Here is a list of how long the most common items remain in a credit report:

  • Late payments: 7 years from the original delinquency date
  • Civil judgements: 7 years from the filing date
  • Chapter 7 bankruptcy: 10 years from the filing date
  • Chapter 13 bankruptcy: 7 years from the filing date
  • Tax liens: 7 years from the filing date if they are paid, 10 years from filing date if unpaid
  • Open, positive accounts: indefinitely
  • Closed, positive accounts with no negative history: 10 years from closed date

For more information see How Long Does Something Stay on My Credit Report? and Credit Report Details.

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Scoped on: 08/11/2016

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