Different negative items that show up on your credit report can stay for a varying amount of time. According to credit reporting agency Experian, this is how long each negative item can remain on your report:
- Late payments show up on your report for seven years after the day the payment became delinquent.
- Chapter 13 bankruptcies will stay on your report for seven years after the filing date.
- Chapter 7 bankruptcies remain for ten years after the filing date.
Civil judgments and tax liens used to show up on your credit report as well (for seven years), but that has since changed and these items no longer show up on your report.
Want to know more? Read here to find out how long negative items stay on your credit report.