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How Long Will Foreclosures, Judgments & Negative Information Stay On A Credit Report?

April 26, 2017credit report Foreclosures judgments negative stay

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How Long Will Foreclosures, Judgments & Negative Information Stay On A Credit Report?

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Seven Years For Negative Credit The timelines for reporting negative credit are determined by the Fair Credit Reporting Act (FCRA). This act requires that most negative credit items (judgments, foreclosures, late pays etc.) be deleted from your credit bureau file within seven years, except for a Chapter 7 bankruptcy which can be reported for up to ten years. However, the creditor or the credit bureau can choose to have the negative credit information deleted whenever they please.