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While most negative credit information remains on your credit report for a maximum of 7 years, some information remains longer.
Credit Accounts:
Negative information remains for 7 years from the initial missed payment that led to the delinquency.
Active positive information can remain indefinitely (if an account is closed that has been positive, then it will typically remain on your report for 10 years after the date the account is closed).
Collection Accounts:
A collection account remains for 7 years from the initial missed payment that led to the collection.
Public Records:
Chapter 7, 11 and 12 bankruptcies remain for 10 years from the date filed.
Completed Chapter 13 bankruptcies remain for 7 years from the date paid, and 10 years if not completed.
Tax liens remain for 7 years from the date filed if paid and remain indefinitely if not paid.
All judgments remain for 7 years from the date filed.
Inquiries:
Inquiries remain for 2 years.
California State Residents Only (must be current resident):
- Paid or released tax liens remain on file seven years from the date released or 10 years from the date file
- Unpaid or unreleased tax liens remain 10 years from the file date
- All consumer-initiated inquiries for the purpose of obtaining a loan and/or benefit remain on the file for two years
- All other purge rules as noted above apply
New York State Residents Only:
- Satisfied judgments remain 5 years from the date filed.
- Paid collections remain 5 years from the date of last activity.
From a BK years ago to:
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
3/10 EQ- 800
You can do the same thing with hard work
Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
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Current Score: TU 633 
