From my understanding they stay on your report for two years.
Disputing Information Directly With The Creditor
This method is somewhat like writing letters to the Credit Bureaus, however,
the difference is that the dispute letters are sent directly to the creditor. One thing
to remember is that the department stores, banks, etc. have the power to take
anything off a credit report that they have placed on a credit report.
A number of things must be included in the creditor letter. Please give the
store your account number. State exactly what the problem on your credit report
is, and why it should be removed. Ask the creditor to verify the amounts.
Demand that they correct or remove the incorrect item.
Unlike the dispute letter method, this type of letter can be typed out rather
than written.
2 years
Hard inquiries stay on a credit report for about two years. While they may impact your credit score in the short term, their effect on your score diminishes over time. Multiple hard inquiries within a short period can signal to lenders that you are taking on too much debt.
The judgment should be removed from your credit report 7 years from the date it was entered.
Bankruptcy can stay on your credit report for up to 10 years. I say "up to" because you can ask to have it removed and in some cases they may do so. After 10 years if it is not removed, you can demand that it be removed.
For a tri-merge credit report pulled from a credit bureau, inquires for only the last 90 days are reported. This shows potential creditors how much shopping for credit you've done over this period. Extensive inquiries can affect FICO scores (Fair Isaac & CO) know as credit scores. TaxMan/MortgageMan
An inquiry can stay on your credit report for up to two years. However, the impact on your credit score typically lessens over time, with recent inquiries having more of an effect than older ones.
It most likely will not hurt your credit to much, When you apply for credit it shows as an inquiry on your credit report. To many inquiries is bad. And opening an account and closing it right after shows instability to your credit report and it sticks there for 7 years.
A credit inquiry typically stays on your credit report for two years. However, its impact on your credit score diminishes over time, and it usually does not have a significant effect after the first year.
Foreclosures remain on your report for 7 years. It is difficult to get a foreclosure removed.
How long does a civil judgement in New Jersey stay on your credit report?
it can stay on your credit report for as long as 10 years.
I filed at the same time & my lawyer at the time told me it would be on my credit report for 10 years. But you can get it removed in 7 years, but you have to request to have it removed. So now I am looking to have it removed & was thinking of calling a lawyer & asking them how to go about doing that. Hope this helps. I think 7 years is long enough!