How long can a Credit Reporting Agency (CRA) report derogatory information?

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Information on a credit report has a statute of limitations also. Generally your collection or credit information stays on there for seven years. The good news is that good information, positive information, stays on there for ten years. Tax liens stay on for seven years, as do garnishment information and criminal information. But again, the good news is, your good buying habits stay on for ten years.

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Thank you again Brian you were a big help in getting us back to where we needed to be. On behalf of my wife and four children it is greatly appreciated." Read More
– Steve W., Debt Collection Client

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