How long do unpaid credit cards stay on your credit report?

Answer 1

The time limits for various types of information to appear on consumer credit reports are set forth by the federal Fair Credit Reporting Act. Making payments or partial payments on bad debt does not effect the running of the credit reporting time limits except in cases of tax liens and federal student loans. , All other types of items should expire on schedule, based on the original dates, regardless of when or whether they are paid. Late payments **7 years from the date the late payment was due Charge offs **7 years. The time runs from the date of delinquency plus 180 days Collection accounts-seven years [the date of delinquency still refers to the original delinquency with the original creditor].