Seem Like You Can’t Get Rid of That “Thing”?

Shelf Lives Of Bad Credit Items

We are often asked how long something stays on your credit. Even if you pay off a bad debt, it is still a matter of record on your credit report and will remain there for some time. When you falter on a payment and you have exhausted your efforts on trying to get an item removed, remember that if you are constantly looking backward- your not looking forward. The best thing to make a negative mark age faster is introducing more positive items. But in case you were wondering how long you have till you can shake that bad account off your report, here are the general shelf lives of negative credit:

Late Payments/Negative Accounts 7yrs
Collection Accounts 7yrs
Chapter 7 10yrs
Chapter 13 7yrs
Dismissed Chapters 10yrs
Judgments 7yrs
Paid Tax Liens 7yrs
Unpaid Tax Liens Forever
Credit Inquiries 2yrs
Student Loans 10yrs

Make the Choice. Make the Change. Delta.