How long are BAD things on my credit report

It depends on the type of negative information. Here’s the basic breakdown of how long different types of negative information will remain on your credit report:

• Late payments: 7 years
• Bankruptcies: 7 years for completed Chapter 13 bankruptcies and 10 years for Chapter 7 bankruptcies.
• Foreclosures: 7 years
• Collections: Generally, about 7 years, depending on the age of the debt being collected.
• Public Record: Generally 7 years, although unpaid tax liens can remain indefinitely.

Quick FICO Facts

The average person’s credit history is 14 years old.

The highest amount a credit FICO score can be is 830

 The average FICO credit score in the US is 692