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
 
1 2 3 Credit and Debt Counseling Service
(786) 573-4101
18750 Sw 113th Ave
Miami, FL
 
Capital Merchant Services
(212) 286-5017
1800 2nd Street
Sarasota, FL
 
Citibank, NA Pines West
(954) 322-2194
18395 Pines Blvd
Pembroke Pines, FL

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Amtrust Bank
(954) 443-2424
15870 Pines Blvd
Miramar, FL

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BankUnited / Pembroke Pines Branch
(954) 437-9458
160 S Flamingo Road
Pembroke Pines, FL

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Mercantile Bank
(954) 885-5982
1 SW 129 Ave.
Pembroke Pines, FL

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Citibank, N.A. Miramar
(954) 885-7081
16101 Miramar Parkway
Miramar, FL

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Bank United
(954) 450-2012
17011 Miramar Parkway
Miramar, FL

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Regions Bank
375-8786
289 N. Congress Ave.
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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