Negative credit information of all types can be kept on your credit bureau file for up to five years.

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The time negative credit information remains on your credit report can vary depending on the type of information. For example, in the United States, late payments can stay on your report for 7 years, bankruptcies can remain for 7 to 10 years depending on the type, and inquiries can stay for 2 years. Different countries may have different durations.

Negative Credit Information of All Types Can Be Kept on Your