Derogatory information can remain on your credit file up to seven years from the date of first delinquency that led up to the charge off, collection, repossession or foreclosure.

Exceptions to this ruling are:

Bankruptcy

  • Chapters 7 and 11 remain on the credit file 10 years from the date filed.
  • Chapter 13 dismissed or no disposition rendered remains on the credit file 10 years from the date filed.
  • Liens
  • Unpaid tax liens remain on the credit file indefinitely.
  • Paid tax liens remain on the credit file for up to 7 years from the date released.

Judgments

  • Judgments remain on the credit file 7 years from the date filed.