How long does negative information stay on your credit report?

According to, negative information on your credit report has a statute of limitations.  In other words, negative information will stay of your credit report for 7 years in most cases (seven years from the date that the initial missed payment that led to the delinquency). Active positive stays on the report indefinitely, unless the account was closed, then it is 10 years.

If an account has or was ever in “collection: status, then that negative information stays for 7 years from the date of the first 180-day late payment

 However there are always exceptions to every rule.

The exceptions here are:

Bankruptcies stay for 10 years from the date it was filed. That includes chapter 7, 11 and 12 bankruptcies. Completed Chapter 13 bankruptcies remain for seven years from the date discharged, but with a maximum of ten years

 I have heard but not verified that there are ways to get bankruptcies removed faster.

Tax liens remain for 10 years if they have been paid and indefinitely if not paid, except in California where they remain for 7 years from the date filed for paid and unpaid accounts.

Inquiries into your credit report remain for 2 years but only count on your score for the first 12 months.

Where do you stand, what’s your score?

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