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- Most information that is negative remains on credit file for 7 years
- Bankruptcy remains in your Equifax credit file for 7 to ten years, according to the bankruptcy type
- Closed reports paid since agreed stay on your own Equifax credit file for approximately 10 years
With regards to credit file, the most often expected concerns is: the length of time does information stick to my Equifax credit history? The solution is it relies on the kind of information and whether it is considered “positive” or “negative. ”
Most of the time, negative information such as for instance belated or missed payments, records which were delivered to debt collectors, reports perhaps maybe not being paid as agreed, or bankruptcies remains on credit file for about seven years. Let me reveal a dysfunction of some the various forms of “negative” information and just how long you could expect the information become on your own Equifax credit history:
- Belated re re payments remain on a credit history for approximately seven years through the original delinquency date — the date associated with the payment that is missed. The belated re payment continues to be in your Equifax credit file even although you pay the balance that is past-due. By way of example, in the event that you possessed a late re payment in April 2011, the belated re re payment would come off your Equifax credit history April 2018, seven years after the date associated with the missed payment. 继续阅读Just How Long Can Information Keep on My Equifax Credit History?