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Q. How
long will items remain on my credit report? |
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Delinquencies (30–180 days): Can remain seven years from the date of the initial
missed payment. |
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Collection accounts: Remain seven 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. |
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Charged-off accounts: Remain seven 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. |
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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 seven years from the date they are reported closed,
whether closed by the creditor or by the consumer, but the delinquency notation
will be removed seven years after the delinquency occurred when pertaining to
late payments. Positive closed accounts remain ten years from the closing date. |
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Lost
credit card: If there are no delinquencies, credit cards that are reported lost
will continue to be listed for two years from the date the card is reported
lost. Delinquent payments that occurred before the card was lost are reported
for seven years. |
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Bankruptcy: Chapters 7, 11, and 12 remain for ten years from the filing date.
Chapter 13 remains seven years from the filing date. Accounts included in
bankruptcy will remain seven years from the date they were reported as included
in the bankruptcy. |
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Judgments: Remain seven years from the date the judgment is filed. |
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City, county, state, and federal tax liens: Unpaid tax liens remain fifteen
years from the filing date. Paid tax liens remain seven years from the paid date
of the lien. |
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Inquiries: Most inquiries listed on your credit report will remain for two
years. All inquiries must remain for a minimum of one year from the date the
inquiry was made. Some inquiries, such as employment or pre-approved offers of
credit, will show only on a personal credit report pulled by you. |