How long does information stay on my credit report?

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Positive or neutral information can remain on your credit reports forever
Experian, as an example, no longer reports accounts that are greater than 10 years old if the account is closed and there’s no activity on it. Accounts for instance, credit cards and mortgages can remain on a credit report for several years if they are open and active.

With negative data, however, national law limits how much time that information may be reported:

  • Chapter 7 Bankruptcies– These will definitely stay on credit reports for as high as ten years from the filing date. Surprisingly, the accounts that are involved in this particular kind of bankruptcy will have been removed from your credit reports years before the actual record of filing chapter 7 is removed.
  • Unpaid Tax Liens– These are going to stay on your credit report indefinitely. Once paid, the will remain on your credit reports for 7 years from the date they were filed, not the date you pay them off.
  • Defaulted Student Loans– The 7 year rule does not apply to defaulted student loans that are government issued or guaranteed. These items can also remain on your credit report indefinitely.
  • Collection Accounts– These accounts may be reported for 7 years plus 180 days from the date you first fell behind with the original creditor, leading up to when the account was charged off and placed for collection. After that time elapses, they may not be reported, even when they remain unpaid or have been sold to a new collection agency.

How can you be sure that these items will be removed when the time has come?

Each of the 3 major credit bureaus have hard codes their credit reporting systems to look for the “purge from” dates. As these dates hit their 7 or ten year limit they will no longer be reported. Unless you believe that an account is being reported past those limits, there is no need to remind the credit bureaus that an entry is to be removed. It is done automatically. However, it’s a good idea to check your free credit report each year to make sure that is the case.

Call today to speak with specialist at (844) 207-3818.

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