How Long Does Information Stay on Your Credit Report?

How Long Does Information Stay on Your Credit Report? article image.

The length of time that information stays on your credit report depends on the type of information. Here's a brief list of items and how long they will stay on a credit report.

  • Inquiries remain two years from the date of the inquiry. However, the impact of inquiries on credit scores diminishes rapidly. The impact to scores starts to fade after a few months. While the inquiries will still show in the report, FICO® excludes inquiries from the score calculation after 12 months.
  • Late payments remain seven years from the original delinquency date of the debt.
  • Collection accounts remain for seven years from the original delinquency date of the original account. They are treated as a continuation of the original debt.
  • Bankruptcy can remain on your credit report for up to 10 years, depending on the chapter filed.

The Fair Credit Reporting Act specifies how long information can remain on a credit report. You can find a more comprehensive list of timeframes and explanations of them by learning more about when negative information is removed from a credit report. You can also learn about how long some of the most common types of information remain on your credit report.

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Scoped on: 12/8/2016

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