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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.

RMCN Credit Services
375 Adriatic Parkway #2205
McKinney, TX 75072
(972) 529-0900 Office (972) 562-0225 Fax
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