How Long Does Info Remain On Your Report?

This common question of how long debt information stay on your credit report is a common question. I’m here to dispel some rumors and report the facts.

The truth is that even if you pay off all of your credits, your debt information will remain on your credit report. Future lenders will still be able to see it before they consider loaning you any money. Depending on the nature of the debt, these postings can remain on your report from a period of 7 years to 15 years from the day they were first posted.

So does this mean that you shouldn’t pay off your debts? Absolutely not. Paying off your debts will help improve your credit score but you will only reach the optimum level after all of the debt information on your report has fully expired. When you have paid an old debt it will show up as “paid” in your account, much better than an outstanding debt.

The time they remain on your report depends on the kind of debt that was accrued. The following is a list of common debt items along with their expiration dates.

  • Late payments and collections – 7 years
  • Home foreclosures – 7 years
  • Lawsuits and judgments against you – 7 years
  • Charge offs – 7 years plus 180 days from the date of delinquency
  • Student loan default – 7 years
  • Bankrupts – 10 years
  • Paid tax liens -7 years
  • Unpaid tax liens – 15 years

About The Author

Edwin is a marketer, social media influencer and head writer here at Debt Syndrome. He manages a large network of high quality finance blogs and social media accounts. You can connect with him via email here.


  1. Roger Warner

    I would like to add another tip here. If you have an old debt, say 6 year old debt, that you have yet to pay off, don’t pay it off. It is only minimally impacting your credit score at this point, since it is an old debt. Instead, wait a year and watch it drop off your report. Your score will bounce up considerably, whether it not it is ever paid or not.

  2. Seth Gordon

    Credit is mostly important before you buy your first car or before you buy a house, so it’s crucial that the younger generation keep their credit clean.

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