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Credit Repair Credit Repair

What Is a Credit Report?

How Long Does Information Stay on Your Credit Report?

Most entries made in credit reports have a limited lifespan and must be removed from the credit file after that time has elapsed.

TYPE OF ACCOUNTTIME LIMIT ON CREDIT REPORT
Credit Accounts in good standingUp to 10 years
Credit Accounts in bad standing7 years
Collection Activity7 years
Charge-Offs7 years
Unpaid Judgments7 years from filing date or until the statute of limitations expires (whichever is longer)
Paid Tax Liens7 years
Unpaid Tax LiensNo time limit
IRS LiensUntil removed by the IRS
Bankruptcies (Chapter 7, 10, 11, & 13)7-10 years
Employer Inquiries (for salaries greater than $75,000)No time limit
Insurance Inquiries (for policies greater than $150,000)No time limit

 

> What Is Included in Your Credit Report?