What happens to listed items after seven years?
Most derogatory items such as late payments, collection accounts and charge-offs “fall” off seven years from their date of last activity. Certain items such as bankruptcies can be reported for up to 10 years. Others items including unpaid tax liens, student loans, and child support obligations have no statute of limitations and will typically show for seven to ten years from the date they are paid, or the date of their legal disposition. Positive credit items can be shown indefinitely.
