In these trying times of reduced credit and liquidity, consumers are becoming increasingly aware of how important their credit reports are. Credit scores are often considered the gauge of your financial health – and this affects the willingness of financial institutions to provide you with a low rate loan. If you are fully invested in improving your credit score, you need to know that a negative item on your credit report can follow you around for more than seven years!
On average, negative credit information should automatically drop off your credit report after seven years time, and after you’ve payed off the debt. However, that is not always the case. Consumer reporting companies can a tap into:
All the less than favorable marks are supposed to automatically drop off during the aforementioned time period, however only time will tell if that is accurate. If you have been working diligently for years to clean up your credit history and are still have bad credit problems, contacting the main credit bureaus may be able to clear up your credit history. You can also use our partner Go Look Online for credit repair services if you are unable to proceed on your own.
Have you checked your credit report recently? How long did negative credit items stay on your credit report?


Wow, comprehensive! I had no idea negative credit items could last longer than 7 years.
Credit scores will be increasingly important as the economy deteriorates. You’re not going to get anyone to loan you money unless you’ve got excellent credit history and a sizable down payment.
Good to know – one missed payment stays in your credit report for 7 years. Geesh.
A friend of mine didn’t have the time to call around to these bureaus. He ended up trying a credit repair agency and it worked out well for him. He’s still with them I believe. They monitor his credit and let him know if anything’s up.
Yep now a days alot of agencies have that offer and banks too. The company I tried is YourCreditRank.Com