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About 10 years. I have the same thing. It involves the overall rating of your credit report, good or bad. It shows other agencies along with employers on how well you are at handling your own finances, and your credit worthiness.

Balance amount and paid status have nothing to do with how long accounts show on your credit report.

If this is a positive account, with nothing derogatory listed, it can show as long as 10 to 12 years. Any derogatory information triggers a 7-year countdown from the date of last activity. So, if your question pertains to a collection or charged off account, it will show on your credit for 7 years (and possibly 180 days more) from its DLA.

There is certain information exempt from that 7 year rule. Unpaid tax liens, student loans and child support obligations have no limitation on how long they can be shown. Chapter 7 bankruptcy listings have a 10 year time frame.

The law also provides exclusions to these time limits. It is possible, although rare, for a credit grantor, insurer, or employer to pull your credit and get all the information in your file, even that normally shielded after 7 years.

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10y ago

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