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Bankruptcy.

Defaulted federal student loans.

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Q: What debts stay on your credit report longer than 7 years?
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Is it true collection debts erase from your credit report after 7 years?

Yes, however, bankruptcy can remain on the report longer.


What can you do to help clean up debts on your credit report?

Besides paying your debts off or filing bankruptcy if you are unable to pay off these debts there is nothing you can really do to clear them from your credit report. Most debts stay on your credit report for seven years.


When can you have bad credit removed from your credit report?

The FCRA says the SOL for debts or negs on your report can only remain for 7 years


How do you know if your bankruptcy is discharged on your credit report?

Bankruptcy does not get discharged. Debts are discharged. The bankruptcy will remain on your credit report for 10 years from the date of filing. The debts that were discharged can remain for 7 years from the date of discharge, showing a zero balance and that they were discharged in bankruptcy.


What are the laws pertaining to a credit reporting agency still reporting after a bankruptcy discharge?

Debts included in the bankruptcy should be noted as such in the credit report. The bankruptcy will remain on the credit report for ten years.


How can you remove debts that are five years old from your credit report?

If they are valid debt default entries they cannot be removed from the report until the required seven years have expired.


If you haven't paid your credit-card debts in 7 years can you apply for a new card?

When you apply for a credit card a credit report will be ran and those credit cards you haven't been paying will be on that report. So I say no.


When do old debts fall off your credit report?

They don't! you actually have to pay them. Wrong! Negative information can only report on your credit report for 7 years from the DOFD and 7 to 10 years for Tax liens. Only information that stays on your report indefinitely is a criminal convictions


Why does your credit report show some debts that you incurred over 5 years ago as being reported as recently as this month?

This is probably because they are still out standing debts. You have to pay them. It will still stay on your credit report for seven year period. Good Luck.


If a collection account isn't a credit card does it fall off your credit report immediately once it is paid?

No. Negative entries concerning all creditor debts remain on the consumer's credit report for the required 7 years.


What does it mean if a old debt is not on your credit report?

Under current laws, a bad account remains on your credit report for only 7-years from the last payment date. Other types of debts, and even public notices, remain on your credit for longer. The right thing to do is pay your bills, do so on-time, and always make sure not to over spend on credit.


What is the statute of limitations on bad credits?

The statute of limitations for debts reported on your credit report is 7 1/2 years.