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Deleting Information

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Deleting Information

Figuring out when negative information is removed from your credit report can be very confusing, and understandably so. Positive open credit information remains indefinitely, and paid positive accounts remain 10 years, making your credit report a great benefit for you in obtaining and using financial services.

Negative information is purged from your credit report, so that if you have credit problems you will have an opportunity to build a good credit history over time. Delinquencies (30 — 180 days) can remain seven years from the date of the initial missed payment after which the account was never again current.

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