How long does information stay on my credit report?
Positive information may stay on your report indefinitely or for ten years after closing a paid account. Negative information generally stays on your report for seven years; however, there are exceptions. Certain bankruptcies (Chapters 7, 11 and 12) remain for ten years. Unpaid tax liens remain for fifteen years from the filing date while paid tax liens remain for seven years from the date paid. Inquiries from credit applications you initiate remain on your report for two years.