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Negative Report Info

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How Long Does Information Stay on
My Credit Report?

When negative information in your report is accurate, only the passage of time can assure its removal. Accurate negative information generally can stay on your report for seven years. There are certain exceptions:

  • Bankruptcy information may be reported for 10 years.

  • Credit information reported in response to an application for a job with a salary of more than $75,000 has no time limit.

  • Information about criminal convictions has no time limit.

  • Credit information reported because of an application for more than $150,000 worth of credit or life insurance has no time limit.

  • Default information concerning U.S. Government insured or guaranteed student loans can be reported for seven years after certain guarantor actions.

  • Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.

  • Inquiries will generally remain in your file for two years.

The credit grantor or credit bureau have the right to remove negative credit information whenever they feel it is appropriate.

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