Length of time negative information stays on your credit report

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  • Late payments: 7 years
  • Bankruptcies: 7 years for completed Chapter 13 bankruptcies and 10 years for Chapter 7 bankruptcies.
  • Foreclosures: 7 years
  • Derogatory items such as late payments and most public record items remain on your credit report for 7 years, with the exception of Chapter 7, 11 and 12 bankruptcies, which remain for 10 years.
  • Public records, tax liens which remain for 7 years from the paid date.
  • Collections generally stay about 7 years depending on the age of the debt being collected.
  • Inquiries, or requests for your credit history, remain on the credit report for up to two years.