How Long Does Negative (Derogatory) Information Appear on my Credit Report?

The Fair Credit Reporting Act (FCRA) requires that most negative credit items be deleted from your credit bureau file after seven years. Exceptions include bankruptcy, which can be reported for up to ten years. The credit grantor or credit bureau have the right to remove negative credit information whenever they please.

Inquiries usually remain in your credit file for 24 months. More.

The Fair Credit Reporting Act (FCRA) requires that most negative credit items be deleted from your credit bureau file after seven years. Exceptions include bankruptcy, which can be reported for up to ten years. The credit grantor or credit bureau has the right to remove negative credit information whenever they please.

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