How long does information remain on a credit file?

Delinquent payments are listed on your credit file for seven years from the date of delinquency. Positive account information will remain on your credit file for at least 10 years.

Collection items are listed on your credit file for seven years from the date the account was 180 days delinquent with the original creditor.

Judgments are listed on your credit file for seven years. A tax lien is listed for seven years from the date paid. Most bankruptcies (Chapters 7, 11, and 12) are listed for 10 years. A Chapter 13 bankruptcy is listed for 7 years.
Inquiries are listed on your credit file for up to two years.