How long will it take for some of the deficiencies on my credit to fall off my credit report?

Most negative items remain on the credit report for 7 years from the date of first delinquency.

Delinquencies: (30 - 180 days late) Remain 7 years from the date of the initial missed payment.

Collection accounts: Remain 7 years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked "paid collection" on the credit report.

Charged-off accounts: Remain 7 years from the date of the initial missed payment that led to the charge off (the original delinquency date), even if payments are later made on the charged-off account.

Closed accounts: Closed accounts are accounts that are no longer available for further use. Closed accounts may or may not have a zero balance. Closed accounts with delinquencies remain 7 years from the date they are reported closed, whether closed by the creditor or by the consumer. Positive closed accounts remain at least 10 years.

Lost credit card: If there are no delinquencies, credit cards that are reported lost will continue to be listed for 2 years from the date the card is reported lost. Delinquent payments that occurred before the card was lost are reported for seven years.

Bankruptcy: Chapters 7, 11, and 12 remain for 10 years from the filing date. Chapter 13 remains 7 years from the filing date. Accounts included in bankruptcy remain 7 years from the date they were reported as included in the bankruptcy.

Judgements: (child support, civil & small claims) Remain 7 years from the date the judgment is filed.

Tax Liens: (cty, county, state, and federal) Unpaid tax liens remain 15 years from the filing date. Paid tax liens remain 7 years from the paid date of the lien.

Inquiries: Remain for 2 years, with those in the last 6 months usually given the most consideration.

Positive open credit information remains indefinitely and paid positive accounts remain 10 years.

The laws just changed...not sure if it's national or not...but where I live it's 7 years from the last attempt to collect the debt.

If it was a charge made 7 years ago and they send you a single notice today, it is still another 7 years providing they don't send you anything else.

negative credit stays on your credit report for seven years in the U.S.

i believe it's 7 years

It usually takes around seven years.

7 years in California.

You can go to websights for the major credit agencies, Experian, Equifax, and TransUnion. You are entitled to see your credit report, any negative listings will have a removal date.

my fiance' is a debt collector and he said it takes at the least 7 years for debt to come off your record.

I know a lot of things stay on your credit report for 7 years. Yikes!

Credit agencies stores information from credit grantors and public records, including bankruptcies, judgments and liens. Missed payments and most public record items remain on the credit report for seven years, with the exception of Chapter 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for up to 15 years.

Active positive information may remain on the report indefinitely.

Requests for your credit history remain on the credit report for up to two years.

7 years from last date of activity

Most info is kept in your credit report for about 5 years. bankruptcies are kept on your credit report for 7-10 years, depending on the credit agency.

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