How Long Do Negative Items Stick to your Credit Report?


Negative information on your credit report can be reported for up to seven years, but sometimes longer if it is serious. The length of time noted in these bullet points means from the start time of your late payment or delinquency, not the last time you made a payment on the amount. Some collection agencies, though, will update their reports to keep your account active with the credit bureaus so they can lengthen the time a negative item stays on your report. You do have a right to challenge this and you should if it happens to you!


So what are some of the negative items that are put on your credit report?

  • Bankruptcy information can stay on your credit report for 10 years
  • Tax Liens can stay on your credit report for 7 years after they are paid
  • US Government insured or guaranteed student loans can be reported for 7 years after certain guarantor actions
  • An application for $50,000 or more worth of credit of life insurance can actually stay on your report forever.
  • Information about a lawsuit or judgment against you can stay on your report for 7 years.