How Long Old Debt Can Stay on Your Credit Report

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Under the Fair Credit Reporting Act, negative items have to be taken off of your credit report seven (7) years from the date you were first delinquent, such as when you first got behind. The exceptions are: Chapter 7 bankruptcy filings, which can stay for 10 years; Judgments; Money owed to the government, which can be indefinite. Just because you pay the debt or settle it, it does not mean it will be removed from your credit report.

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