Accounts with negative information will only be reported on your credit report for up to 7 years.
How long does it take for closed accounts to be removed from credit report?
A negative account on your credit report will stay on your credit report for up to seven years.
Can I have closed accounts removed from my credit report?
If you have a closed account on your credit report, you can try to contact the credit bureaus to ask for inaccurate information to be deleted, contact the creditor about deleting the faulty account or wait until it disappears naturally.
Is it true that after 7 years your credit is clear?
Negative information on your credit report can last for a long time. Bankruptcy stays there for up to 10 years. You can get information on closed accounts paid as agreed.