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The Fair Credit Reporting Act allows charge offs and collection accounts to show for 7 years, plus 180 days from the last time you paid the account (on time) immediately prior to the charge off.

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10y ago

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How long does a foreclosure stay on your credit report?

A foreclosure will typically remain on your credit report for seven years.


How long will unresolved credit diputes remain on a credit report?

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How long will credit inquiries remain on your credit report?

2 years


How long do charge offs stay on your credit report?

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


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How long does an auto repossesion stay on your credit report?

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


How long will bad credit remain on your credit report?

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How long does a lien remain on a credit report?

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How long does a judgment stay on your credit report after it has been paid?

Judgments will remain on a credit report for the required 7 years regardless of the status.

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