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How Long Items Stay on Your Credit Report
Timeline for when negative and positive items are removed
Negative Items
7 Years
- Late payments (from original delinquency)
- Collections (from original delinquency)
- Charge-offs (from charge-off date)
- Chapter 13 bankruptcy (from filing)
- Foreclosures (from filing)
- Paid tax liens (from payment date)
10 Years
- Chapter 7 bankruptcy (from filing date)
2 Years
- Hard inquiries (from inquiry date)
Positive Items
10 Years
- Closed accounts in good standing
- Paid-off loans
Indefinitely
- Open accounts in good standing
Important Notes
The impact of negative items diminishes over time. Recent negative items hurt more than old ones.
Making a payment on old debt can reset the statute of limitations in some states.