Blog » Community » How long does information stay on your credit score?

How long does information stay on your credit score?

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.
  • Unpaid tax liens remain for 10 years. Paid tax liens are deleted seven years from the filing date.

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.

Check out the scope to hear answers to all the questions asked:

View scope.

Do you have questions about credit?

Join our live video chat every Tuesday and Thursday at 2:30 p.m. ET on Periscope. Rod Griffin, Director of Public Education at Experian, is available to answer your questions live.
Scoped on: 12/8/2016

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

Get Started for Free

Credit Education

Credit Cards & Loans

Get credit cards and loans from our trusted network of partners. See credit offers based on your credit when you sign up for free.

Browse Credit Cards & Loans

5 Budget-Friendly Ways to Give Back

As the holiday season ramps up, Americans often increase their charitable giving. Here are five ways to give to others while still staying on budget.