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Payment Information on Credit Reports

Credit is your reputation for repaying debts on time.

How long does Payment Information stay on Credit?

Positive information stays on your credit report forever.  Negative information stays on your credit report for 7 to 10 years from the original delinquency date. After 7 to 10 years, negative information is automatically deleted by the credit reporting agencies.

Type of Information

How Long on your report

Positive Information Indefinitely
Bankruptcy 10 years
Late payments 7 years
Accounts sent to collections 7 years
Other Negative Information 7 years
Lawsuits or Unpaid Judgments 7 years or more
Information in response to a job application where the salary is over $75,000 Indefinitely
Information reported because of a credit or life insurance application for over $150,000 Indefinitely

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