Negative Items for 7 Years on a Credit Report? | Lexington Law
Negative items on you credit reports do not have stay listed for seven years. They can be removed at any time and can only be listed for 7 to 10 years.
Call Free Credit Consultation: 1-877-731-5653 for a Free Credit Repair Consultation
FREE Credit Report Summary & Credit Repair Consultation
Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Call us today to take advantage of our no-obligation offer.
Credit Repair Services
Lexington Law FAQ

Do negative items remain listed for 7 years?

When you speak with certain creditors, their typically under-educated staff may tell you the law demands that negative listings appear on your credit report for seven to ten years.

The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. The 7 year term is merely a time limit for reporting negative credit. Some items, like bankruptcies, may stay on a report longer than 7 years.

Best company review badge
Best Credit Repair Companies
2016 gold top ten review
Best Credit Repair Companies of 2018

Confirming Your Phone Order

Phone Confirm