Negative item             Click here to Print

#TexasGuy - Says,

I am from the state of Texas. How long a negative item can stay on my credit report?
#Richard - Says,

Hi TexasGuy,

Welcome onboard.

There are no specific laws for this. Negative informations which are accurate in nature generally can be reported for 7 years. On the other hand negative items like bankruptcy information can be reported for 10 years.

Can you be bit more specific as to what sort of negative information are you referring to?


#Justin - Says,


How long a negative item can stay on my credit report?

You may have a look at this checklist I recently compiled:
Negative itemExpected expiration period from credit report
Bankruptcy filing records
  • 10 years from the date of filing
  • Accounts marked included in BK 7 years from the date of filing
  • Chapter 13 bankruptcy may be removed from report after 7 years from the date of filing
  • Charge off accounts7 years
    Collection items7 years
    Forecloser records and Property died-in-lieu7 years
    Collection items7 years from the date of filing
    Inquiries (Credit and Loan applications)1-2 years
    Judgments (Court decisions like child support, civil and small claims court)7 years
    Late payments7 years
    Repossession (Vehicle and property) records7 years
    Tax liens
  • If not paid remains indefinitely
  • If paid remians for 7 years

  • Hope this comes to your help ..

    #TexasGuy - Says,

    Hi Justin,

    The checklist you have compiled looked pretty useful for all of us and I have even bookmarked this page for reference.


    #Veronica1101 - Says,

    I stop making payments on a credit card back in 1999. I recently review my credit report and I noticed that this credit card debt (delinquent in 1999) has being passed to many different collection agencies and that each time this happens the DLA changes to the date that the account was transferred, thus making the DLA seem more recent that what it really is 1999. Is this legal? Is this a loop hole in the statue of limitation? Is it true that this negative mark should be erase from my credit report after 7.5 years? But if the DLA keeps on changing this can be on my records for years...Please help.
    #flashf - Says,

    Veronica1101 I am experiencing the same problem as you. The card in question was closed in 1997. The DLA says it was only 2002. How can I take this 11 year old item off my credit record? It came off once, but now it's back.
    #Morningstar - Says,

    Dispute the information...if it comes back verified, contact an attorney, as you may need to sue the creditor.
    #diem - Says,

    Yes, start by sending them something of this nature:

    February 14, 2001

    Credit Card Company ABC
    Anytown USA

    To Whom It May Concern:

    I recently received a bill in the mail from your company. Enclosed is a copy for your reference.

    As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I must ask you for the following information:

    1) Please evidence your authorization under 15 USC 1692 (e) and 15 USC 1692 (f) in this alleged matter.
    2) What is your authorization of law for your collection of information?
    3) What is your authorization of law for your collection of this alleged debt?
    4) Please evidence your authorization to do business or operate in the state of (Insert your state).
    5) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

    You have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed.

    For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

    I affirm under penalty of perjury under the Laws of the Land for the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.

    Witness My Hand and Seal this 14th day of February 2001.

    (insert your name)

    Of course you want to plug in the appropriate information. It needs to be sent via USPS CMRR (certified mail w/ return receipt) to prove you sent it. If you don't, they never got it!

    #Laura - Says,

    This is an appropriate letter. Smile Thanks diem.
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