Credit Reports

How long does a bad credit score stay on records?

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2010-02-25 21:40:15
2010-02-25 21:40:15

it currently takes 7 years for something to come off of your credit report

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A foreclosure can stay on your credit report for over ten years. It will have a significant and negative impact on your score.


Negative reports on your credit score remain on your report for seven years.


A short sale will effect your credit score in a negative way. Your credit score will stay on your credit report for some years.


No, a credit score does not vary from state to state. The credit score will stay the same whether a person moves or not.


Keep any and all police records you may have. Send this directly to the credit breaua. Stay on top of them about this situation and it will be handles accordingly.


What record? The court's records are permanent.Added: And so is your credit history.


Unlike credit records and driving records, criminal records are permanent. If you are committed of a crime, the conviction never "comes off" your record.


A repo will stay on your credit report until the remaining balance is paid off or settled, you still owe the amount left on the vehicle even though the car is not in your possession.


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Credit reports are lifetime cumulative records of your financial history. They are with you forever, however, the older the judgment AND if you maintain a good credit history after the judgment, the less weight it carries.


Same everyplace...if you mean on credit reports -at least 10 years. As a federal court matter, it may well be on records for much longer.


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You have to have active accounts in order to have a credit score. Your credit score can reflect your payments history on installment loans. Pay whatever accounts you have in a timely manner. Control and limit inquiries. Stay away from finance companies. Your score will not be as high as someone who has revolving credit accounts and manages them well. But you will have a score that reflects how you manage the credit you do have. If you have a mortgage, car payment, school loans, and sometimes even cell phone or utility bills that you pay on time, that will raise your credit score.


It will stay on your records forever.


Vehicle repossessions stay on you credit report for 7 years.



Credit references go away after 7 years. Criminal records never go away.


If its just the loan, then the line of credit will end after 7 years of the final payment. Same with bad payment info. But Credit score will not change unless newer lines of credit have been opened and made good/worse.



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Accounts stay on your credit report for seven years, so any bad accounts will continue to appear even after they've been paid. It will take several years for your score to rise substantially.


Charge offs will stay on your credit report for 3 to 7 years



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