How long does negative credit information stay on my credit report?
Is there any way to remove it? There is no way to remove accurate information from your credit report. It normally remains on your credit report for 7-10 years, depending on the nature of the data: • Accounts paid as agreed remain for up to 10 years. • Accounts not paid as agreed remain for 7 years. • Collection accounts remain for 7 years. • Bankruptcy information remains for 10 years from the date filed. • Legal judgments remain for 7 years. • Paid tax liens remain for up to 7 years. • Unpaid tax liens remain indefinitely. In the state of New York, paid judgments and paid collection accounts remain for 5 years. In California, unpaid tax liens remain for 10 years.
