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Negative Information

How long can negative items stay on your credit report?

Here is a list of how long the most common items remain in a credit report:

  • Late payments: 7 years from the original delinquency date
  • Civil judgements: 7 years from the filing date
  • Chapter 7 bankruptcy: 10 years from the filing date
  • Chapter 13 bankruptcy: 7 years from the filing date
  • Tax liens: 7 years from the filing date if they are paid, 10 years from filing date if unpaid
  • Open, positive accounts: indefinitely
  • Closed, positive accounts with no negative history: 10 years from closed date

For more information see How Long Does Something Stay on My Credit Report? and Credit Report Details.

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

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: 08/11/2016

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