How Long Does Stuff Stay In Credit Reports? [Infographic]

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How Long Information Stays in Credit Reports [Infographic]

Nothing lasts forever, but the information in your credit reports—both good and bad—can stick around for a long time. Just how long? It can vary from state to state and differ in each individual credit report, but here are some basic guidelines.

About the author:

Sean P. Egen

After realizing he couldn’t pay back his outrageous film school student loans with rejection notices from Hollywood studios, Sean focused his screenwriting skills on scripting corporate videos. Videos led to marketing communications, which led to articles and, before he knew it, Sean was making a living as a writer. He continues to do so today by leveraging his expertise in credit, financial planning, wealth-building, and living your best life for Credit One Bank.

This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.

Will This Appear In My Credit Report? [Quiz]

Your credit reports contain useful information that paints a picture of your “creditworthiness.” But, like any type of report, credit reports don’t tell a reader the complete story about you, your life, or how you’re living it. For that, they’ll have to read your autobiography.

Woman reviewing her credit score and credit reports on tablet device

The Differences Between Credit Scores, Reports & Reporting Agencies

As credit scores have become more available and accessible, consumer interest in them has grown—but so has consumer confusion. Most people don’t understand the differences between credit scores, and many don’t know the difference between credit scores and credit reports. Throw in credit reporting agencies, and it gets even more confusing.

Lying in bed unable to sleep because of credit report errors

Should You Worry About Credit Report Errors?

Your credit reports are like report cards on how you’re doing with your credit. Potential lenders rely on them to get an accurate picture of your credit behavior in order to make more informed decisions on extending you credit.

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How Long Does Stuff Stay In Credit Reports? [Infographic]

Will This Appear In My Credit Report? [Quiz]

The Differences Between Credit Scores, Reports & Reporting Agencies

Should You Worry About Credit Report Errors?