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AnswerThe answer depends upon the public record:

Bankruptcies may show for 10 years from the date of filing. However, it is customary for Chapter 13 bankruptcies to be removed after only 7 years.

Judgments, foreclosures, civil suits and records of arrest (the last two ordinarily do not show on credit reports) may show for 7 years from their date of entry, unless their is an overriding statute of limitations.

Unpaid tax liens may remain indefinitely. Paid tax liens may show for 7 years from their date of payment.

Unpaid Tax liens last for 15 years according to Equifax and paid tax liens 7 years from date it was paid off which ever comes first http://www.experian.com/ask-experian/20090121-tax-liens-and-your-credit-report.html

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13y ago
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9y ago

Something can stay on a credit record if the spending habits do not change. A bad credit report can be fixed by paying up future credit card debts on time.

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Q: How long do public records stay on your credit report?
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