How long will information stay on my credit report?

Last Updated: Jun 11, 2013 04:22AM UTC

Most information will stay on your credit report for seven years from the date of last activity or from when the entry was reported. Activity generally limited to seven years includes:

- Closed accounts with negative information
- Late payments
- Judgements part of public records
- Chargeoffs
- Student loan default (although they may stay on a few months beyond the 7 year mark)
- Collection accounts

Entries that can stay longer than seven years include:

- Chapter 7 bankruptcy, which stays on for 10 years
- Chapter 13 bankruptcy, which stay on for 7 years from the discharge date or a maximum of 10 years.
- Tax liens, which stay for 7 years from the date paid or indefinitely if unpaid.

Credit inquiries generally only stay on your credit report for 1-2 years.

Note that state laws may further limit how long some of the above information stays on your credit report.

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