How Long Does Negative Info Stay On A Credit Report

If you’ve got late payments, or charge offs on your credit report, those are considered negative information. Normally, that information will stay on your credit report for at least 7 years. In some cases, it will stay on 10 years, if you’ve gone through bankruptcy.

Not all information is negative. Good information stays on your credit report for at least 10 years from the day the account closed. This will apply to things like mortgages, car loans and anything else that has a fixed number of years for repayment. For accounts such as credit cards, your good history will stay on as long as the card is active.

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