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How long will negative information remain on my credit files?


It depends on the type of negative information. Here’s the basic breakdown of how long different types of negative information will remain on your credit files:

  • Late payments: 7 years
  • Bankruptcies: 7 years for a completed Chapter 13, and 10 years for Chapters 7 and 11
  • Foreclosures: 7 years
  • Collections: Generally, about 7 years, depending on the age of the debt being collected
  • Public Record: Generally 7 years, although unpaid tax liens can remain indefinitely

Keep in Mind: For all of these negative items, the older they are the less impact they will have on your FICO® Scores. For example, a collection that is 5 years old will hurt much less than a collection that is 5 months old.

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