The length of time information remains on your Equifax credit report is shown below:
Credit Accounts
Active credit accounts that are paid as agreed remain on your Equifax credit report as long as the account is open and the lender is reporting it.
Closed accounts reported by the lender as paid as agreed can stay on your Equifax credit report for up to 10 years from the date it was reported by the lender to Equifax.
Accounts not paid as agreed can remain on your Equifax credit report for up to 7 years.
Late Payments
Remain on your Equifax credit report for up to 7 years from the original delinquency date – the date of the missed payment. The late payment remains even if you pay the past-due balance.
Collection Accounts
Remain on your Equifax credit report for up to 7 years from the date of the first missed payment. The account remains on your Equifax credit report even if you pay the collection account.
Public Records
Bankruptcy
- Chapter 7 or 11 filed and discharged status bankruptcies remain for 10 years from the date filed
- Chapter 12 and 13 bankruptcies remain for 7 years from the date filed
- Dismissed bankruptcies (all chapters) remain for 7 years from the date filed
New York State Residents Only (must be current resident)
Paid collections remain on your Equifax credit report for 5 years from the date filed
