The length of time that an account stays on your credit report depends on what type of account or record it is. For example, according to Equifax’s policies, the length of time an account remains in your credit file is shown below:
Collection Agency Accounts – Up to 7 years from the date of the 1st delinquency
Credit or Other Reported Accounts – Accounts paid as agreed remain for up to 10 years from the Date of Last Activity (DLA). Accounts not paid as agreed (i.e., delinquent, charge off, accounts placed for collection) remain for up to 7 years from the Date of 1s Delinquency.
Public Records – Remain for up to 7 years from the date filed, except: Bankruptcy – Chapter 7 and 11 remain for up to 10 years from the date filed; Bankruptcy – Chapter 13 dismissed or no disposition rendered remain for up to 10 years from the date filed; Unpaid Tax Liens – remain indefinitely; Paid Tax Liens – remain for up to 7 years from the date released.
New York State Residents Only – Satisfied judgments remain for up to 5 years from the date filed; Paid Collections remain for up to 5 years from the Date of 1st Delinquency.
California Residents Only – Unpaid Tax Liens – remain for up to 10 years from the date filed or up to 7 years from the date released.
HAVE YOU REQUESTED YOUR FREE CREDIT REPORT FROM EQUIFAX, EXPERIAN AND TRANS UNION? HAVE YOU DISCOVERED ACCOUNTS OR RECORDS ON YOUR CREDIT REPORT THAT SHOULD NO LONGER BE ON YOUR REPORT? HAVE YOU DISPUTED THE ACCOUNTS OR RECORDS?
USING THE FORM BELOW, CONTACT CONSUMER CREDIT ATTORNEY MICAH ADKINS FOR INFORMATION REGARDING YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT (FCRA).