Gazoo
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7 years from the time it was last reported on. So basically from the time either you or they closed out the account. But a little hint you may want to try is to get your report and dispute anything negative on it. If the individual creditors dont respond back in time to the dispute it can get removed from that specific report. Believe me that works ! |
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Yak B
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A delinquent mark I believe is 2 years. Bankruptcy is 7-10. |
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deedlebay
 |
cyanne is correct 7 yrs. |
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cyanne2ak
|
Seven Years. |
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jediljc
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If you never attempt to fix the problem with the creditor, the longest it can legally stay on your credit report is 7 years. However, you can get it off earlier if you make good with the creditor and ask them to change the report. |
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Nagitarâ„¢
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most of the time it's 7 years. But if a company decides to keep updating the issue it can stay there forever. I found out that I had something on my credit report from Fingerhut from 12 yrs ago. It was $29 and they never wrote it off. But they did keep reporting it to the credit bureaus. |
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Credit Guru
 |
The Fair Credit Reporting Act(FCRA) allows a delinquency to be reported for 7 years. Bankruptcy is reported for 10 years.
That means if you made a 30-day late payment on your credit card in March 2006, then in April 2013 the late payment will no longer be reporting.
That is what the law states today.
Good Luck |
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katidid2134
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Not sure really but i think 2-3 years. |
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bbkidchen
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like all have said 7 years.
When buying a home the creditors usually only go back 2 years.
But the things on your credit report 10 years or more do still show up as well, I have them on there. |
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kia
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7 years |
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nova65
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it's 2 years |
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Kevin B
 |
Here is where the confusion comes from:
It will stay on your credit report for 7 years.
However, the way the credit scoring system works, accounts more than 2 years old have little to no effect on your actual score. If you attempt to settle with a creditor after 2 years, they may report a payment to the credit bureau which then starts the clock back at day 1 and hurts your credit. If it's more than 2 years I'd say let it go. It won't hurt you when you try to buy a car or house. Only settle with them if a mortgage company requires you to pay it. |
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babegirll23
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It will stay on seven years based on what it is for. Some things stay on ten years. |
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t64btlfan
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7 years but they want to change it to 10 |
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Carol
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7 years unless there is activity with that account within the 7 years. Then the 7 years starts over again. |
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canadian420princess
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First of All, it depends on if your file went to a collection agency, if not then ur credit has not really been affected, however if you did have to deal with an agency then it is 7 years minus 2 days! If it went to an agency then u can also rebuild your credit by getting a secured credit card or something along those lines. Let me know if you have ne more questions about this |
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morningstar
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Depends on what country you live in. Generally 7 years. |
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Wizgal
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7 years |
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dwbraud79
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it sakes 1 second to **** it and up and 7 yaers to fix it up. that is a shame |
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boredomestrikes
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Most marks stay seven years, but if it is a bankruptcy or judgement, it can stay up to ten years. Collections can sometimes come off after three years, but sometimes not so quickly. |
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