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How Long Does Information Keep on My Equifax Credit History?

How Long Does Information Keep on My Equifax Credit History?

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  • Many negative information generally remains on credit file for 7 years
  • Bankruptcy remains on your own Equifax credit file for 7 to ten years, with regards to the bankruptcy kind
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  • Closed reports paid as agreed stay on your own Equifax credit file for as much as 10 years

In terms of credit file, perhaps one of the most often expected questions is: just how long does information stick to my Equifax credit history? The clear answer is so it depends upon the kind of information and whether it is considered “positive” or “negative. ”

Most of the time, negative information such as for example belated or missed payments, records which have been delivered to debt collectors, accounts not being compensated as agreed, or bankruptcies stays on credit history for about seven years. The following is a breakdown of some the various forms of “negative” information and just how long you can expect the information to be in your Equifax credit history:

  • Belated re re payments stick to a credit history for as much as seven years through the initial delinquency date — the date of this missed payment.