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
jacksonville, FL
Credit Counseling Centers of America
(407) 282-7088
3452 Lake Lynda Dr
Orlando, FL
A123 Credit Counselors Inc
(305) 269-9201
701 Nw 62nd Ave
Miami, FL
Consumer Credit Counseling
(407) 898-7588
101 S Bumby Ave
Orlando, FL
Kvis Financial Services LLC
(727) 525-2000
4773 58th Ave N
St. Petersburg, FL
Total Merchant Services
(727) 410-4833
1420 Bass Blvd
Clearwater, FL
Consumer Creditworks Inc
(407) 648-0044
1512 W Colonial Dr
Orlando, FL
Citibank, N.A. Miramar
(954) 885-7081
16101 Miramar Parkway
Miramar, FL

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Spectrum Resources
(863) 967-0660
2014 Brentwood Dr.
Auburndale, FL
Prices and/or Promotions
$35.00 per deletion per bureau

Transworld Systems/John Patrick
(813) 286-2543
5601 Mariner Street Suite 475
Clearwater, 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 also include free reports and, in some cases, free scores. To learn more, see our reviews and comparison chart .

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Mailing Address:
Jacksonville Magazine
1261 King St.
Jacksonville, FL 32204
TEL: (904) 389-3622
FAX: (904) 389-3628