How long does positive and negative information stay on my credit report?
The Credit Bureaus would like you to believe that all information stays for 7-10 years, regardless of anything you do. Items on your credit report DO NOT Automatically drop off you MUST take action! However, the dispute process we use may DELETE THESE NEGATIVE ITEMS ALTOGETHER! Good credit – 10 years or longer. Negative credit (late payments, collections, charge-offs, closed accounts, child supports, civil and small claim judgments, paid tax liens) – 7 years. Chapter 7, 11 and 12 Bankruptcy – 10 years. Chapter 13 Bankruptcy – 7 years. Unpaid tax liens – 10 years. Inquiries – 2 years.
