How Long Items Stay on a Credit Report
The court record of a bankruptcy may remain on a credit report for ten years following the discharge of the bankruptcy.
Most other negative credit activity listings may remain for seven years from the date of last activity. The seven-year-clock is reset whenever you generate any activity on a non-delinquent account, including making a payment. But once the account has gone and remained delinquent, the clock cannot legally be reset.
Most credit inquiries for new credit remain on record for two years.
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