Do negative items remain listed for at least 7 years?
When you speak with credit grantors, collection agencies, or credit bureaus, their typically under-educated staff may tell you all manner of such pseudo-legal nonsense. The law demands that negative listings appear on your credit report for no longer than seven years, but the credit grantor or the credit bureau can choose to delete the negative credit listing whenever they see fit. Our job is to have it legally removed from your report.
When you speak with credit grantors, collection agencies, or credit bureaus, their typically under-educated staff may tell you all manner of such pseudo-legal nonsense. The law demands that negative listings appear on your credit report for no longer than seven years, but the credit grantor or the credit bureau can choose to delete the negative credit listing whenever they see fit. Our job is to have it legally and permanently removed from your report.
