How long does negative information remain on a credit report?
Most negative information may remain on a credit report for seven years. Bankruptcy may remain on a credit report for 10 years. We say may because there is no law that requires creditors to report you to the credit bureau to begin with. Both federal and state courts do not report you to the credit bureaus. Instead, the credit bureaus hire companies to go to the courts on a regular basis to retrieve information so that they might sell it to their subscribers. The credit bureaus are in the business of selling negative information. Credit bureaus have as many as 102 separate negative ratings and as few as 4 positive ones.
