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Exactly Just How Long Can Information Keep on My Equifax Credit File?

Среда, 15 июля 2020

Exactly Just How Long Can Information Keep on My Equifax Credit File?

Viewing time: 3 minutes

Highlights:

  • Many information that is negative remains on credit history for 7 years
  • Bankruptcy remains in your Equifax credit history for 7 to a decade, with respect to the bankruptcy kind
  • Closed reports paid as agreed stay on your own Equifax credit file for approximately 10 years

In terms of credit history, probably one of the most often expected concerns is: the length of time does information stick to my Equifax credit file? The clear answer is it hinges on the kind of information and whether it is considered “positive” or “negative. ”

Broadly speaking, negative information such as for example belated or missed payments, reports which were delivered to debt collectors, reports maybe not being compensated as agreed, or bankruptcies remains on credit file for about seven years. The following is a breakdown of some different forms of “negative” information and the length of time you could expect the information become in your Equifax credit file:

  • Late re payments stick to a credit history for as much as seven years through the initial delinquency date — the date associated with the payment that is missed. The late re payment continues to be on your own Equifax credit history even though you pay the past-due stability. By way of example, if you had a belated re payment in April 2011, the belated re payment would come down your Equifax credit file April 2018, seven years following the date regarding the missed payment.
  • Collection or charged-off records: when you yourself have a belated repayment and don’t pay the past-due stability, the account could sooner or later be charged down by the initial lender and assigned to an assortment agency. Читать новость полностью…

 
 
   
 

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