How Long Negative Items Stay on Your Credit Report

Different negative items stay on your credit report for different lengths of time:

  • Late payments — 7 years

    Collections — 7 years

    Charge-offs — 7 years

    Bankruptcies — 7–10 years

    Hard inquiries — 2 years

    But many negative items can be removed early if they are:

    Inaccurate

    Unverified

    Outdated

    Reported incorrectly

    This is why credit repair works — the law requires accuracy.

    CTA:  
    Start Your Clear Credit Process