Just Just How Does that is long Information on My Equifax Credit File?

Just Just How Does that is long Information on My Equifax Credit File?

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Features:

  • Most information that is negative remains on credit file for 7 years
  • Bankruptcy remains on your own Equifax credit history for 7 to ten years, with regards to the bankruptcy kind
  • Closed reports paid as agreed stay on your own Equifax credit file for up to 10 years

With regards to credit file, one of the more usually expected concerns is: just how long does information stick to my Equifax credit file? The clear answer is whether it is considered “positive” or “negative. So it is determined by the sort of information and”

Most of the time, negative information such as for instance belated or missed payments, records which were delivered to debt collectors, reports maybe perhaps not being compensated as agreed, or bankruptcies remains on credit history for about seven years. Listed here is a breakdown of some different types of “negative” information and just how long you could expect the information become in your Equifax credit file:

  • Late re payments remain on a credit history for as much as seven years through the initial delinquency date — the date of this missed payment. The belated payment stays in your Equifax credit file even although you spend the past-due stability. For example, in the event that you possessed a belated re payment in April 2011, the belated re payment would come your equifax credit report off April 2018, seven years following the date associated with missed payment. Continue reading “Just Just How Does that is long Information on My Equifax Credit File?”