Delinquency information (late payments) stays on your report for 7 years from the date of the initial missed payment.

Charge-offs stay on your report for 7 years + 180 days from the date reported to the credit bureau.

Student loan defaults stay on your report for 7 years.

Foreclosures, 7 years.

Judgments or law suits, 7 years from the date of filing.

Bankruptcy – Chapters 7, 11, and 12 stay on for 10 years from the filing date. A Chapter 13 bankruptcy stays on for 7 years from the filing date. Accounts included in bankruptcy remain 7 years from the date they were reported as included in the bankruptcy.

Tax Liens – (city, county, state, and federal) Unpaid tax liens remain 15 years from the filing date. Paid tax liens remain 7 years from the paid date of the lien.

Inquiries stay on your credit report for 2 years, with those in the last 6 months usually given the most consideration.

Positive accounts stay on your credit report indefinitely and paid positive accounts remain 10 years.

Remember, that you have the right to dispute any information on your credit report that may be inaccurate, untimely, misleading, incomplete, ambiguous, unverifiable, or unclear (questionable).  The credit reporting agencies must be able to prove everything they place on your credit report.

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