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How Long Does Information Stay on Your Credit Report?

Credit reports contain all of your financial information that the credit bureaus gather and organize into one big report of your personal financial history. It accumulates both positive and negative information and the details are used to calculate your credit score. Do you know how long certain items linger on your credit report? Take my quiz!

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How Long Does Information Stay on Your Credit Report?

How long does a missed payment remain on your report?

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JaimeLeah526 JaimeLeah526 8 years
At least now I know.
JaimeLeah526 JaimeLeah526 8 years
At least now I know.
tkoblondee tkoblondee 8 years
3/3!!
tkoblondee tkoblondee 8 years
3/3!!
baybug baybug 8 years
I am horrible! I no nothing about credit history. Oh well, now I now. Thanks SavvySugar!
sweetpeabrina sweetpeabrina 8 years
whoa. I totally didn't think I knew the answers and I got 3/3!
princessjaslew princessjaslew 8 years
2/3 wasn't that bad.
princessjaslew princessjaslew 8 years
2/3 wasn't that bad.
aimeeb aimeeb 8 years
3/3 I know my stuff... I guess after a few mistakes I've made in my younger yrs I have this stuff burned into my brain.
aimeeb aimeeb 8 years
3/3 I know my stuff...I guess after a few mistakes I've made in my younger yrs I have this stuff burned into my brain.
ilanac13 ilanac13 8 years
woo hoo - i got them all right. i don't know how/why i know so much about the credit report process....
carhornsinapril carhornsinapril 8 years
i was just wondering about this this morning. thanks!
wackdoodle wackdoodle 8 years
Yeah, the one thing GWB did that really was excellent was limit the negative FCRA info and collect efforts to 7 year then it gets expunged and debtors cannot represent it or put it back on your report or attempt to collect on it. 7 years of a punishment then done. The indefinite good also changed when GWB took office- it used to be the between 7 and 10 years then pop it disappeared if it was no longer active.
wackdoodle wackdoodle 8 years
Yeah, the one thing GWB did that really was excellent was limit the negative FCRA info and collect efforts to 7 year then it gets expunged and debtors cannot represent it or put it back on your report or attempt to collect on it. 7 years of a punishment then done.The indefinite good also changed when GWB took office- it used to be the between 7 and 10 years then pop it disappeared if it was no longer active.
gooniette gooniette 8 years
ha, 2 out of 3 and i used to work in mortgages and deal with credit reports constantly. oh well...
gooniette gooniette 8 years
ha, 2 out of 3 and i used to work in mortgages and deal with credit reports constantly. oh well...
KWM KWM 8 years
Wow - 3/3, I am better than I thought :)
Liss1 Liss1 8 years
3/3 Yeah! Good so just 2 more years and my credit card boo boos will be gone :)
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