Credit Report Information Jacksonville FL

Credit report monitoring is the best way to stay on top of the ups and downs in your credit history. Find out how long debt and delinquent payments can continue to affect your credit score down the line.

Credit Medic MD
(800) 644-9454
www.creditmedicmd.com
jacksonville, FL
 
Consumer Creditworks Inc
(407) 648-0044
1512 W Colonial Dr
Orlando, FL
 
Advanced Credit Concepts
(866) 740-4332
4300 W. Cypress St
Tampa, FL
 
Citibank, N.A. Miramar
(954) 885-7081
16101 Miramar Parkway
Miramar, FL

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HSBC Bank USA, N.A.
369-8776
1790 N. Congress Ave., Ste. 100
Boynton Beach, FL
 
Berkowitz Law Group
(727) 344-0123
6560 1st Ave N
St. Petersburg, FL
 
American Home Savers
(407) 852-1015
12877 New York Woods Cir
Orlando, FL
 
Achieve The Dream Inc
(407) 298-1212
1930 Amaryllis Cir
Orlando, FL
 
A1A Credit Services
(305) 631-9717
2742 Sw 8th St
Miami, FL
 
Peninsula Bank
737-7667
7593 Boynton Beach Blvd., #120
Boynton Beach, FL
 
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Credit Report Information

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How long do negative items remain on your credit report?

Posted by Caitlin on July 20th, 2009

Most debts stay on your report for 7 years, but there are several exceptions.

Delinquencies stay on your report for up to 7 years after the first missed payment. If, however, your payment was less than 30 days late, the ding to your credit score should expire within a couple of years. If the original lender sells your debt to a collector, the delinquency will remain on your report for a full 7 years, even if you pay the collector. A chapter 13 bankruptcy drops off after 7 years, but a chapter 7, 11 or 12 stays on your credit report for 10 years. Collection accounts drop off 7 years after the original delinquency date. Closed accounts drop off after 7 years if they have delinquencies, or 10 if there was a positive balance. Child support judgments, small claims and civil judgments drop off 7 years after the judgment is filed. Tax liens drop off after 7 years if they are paid, or 15 if they are unpaid. Hard credit inquiries drop off after 2 years. Paid positive accounts stay for 10 years. Positive open credit information, of course, remains on your credit report indefinitely.

Consumerist also points out that many credit scoring models only consider the past 24 months, and that if you have 24 months of high re-established credit, most lenders will consider you "rehabilitated."

Credit report monitoring is the best way to stay on top of the ups and downs in your credit history. Most of the credit report monitoring services reviewed on NextAdvisor.com also include free reports and, in some cases, free scores. To learn more, see our reviews and comparison chart .

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