How Long Does Information Stay on my Equifax Credit Report | Equifax (2024)

FAQs

How Long Does Information Stay on my Equifax Credit Report | Equifax? ›

Closed accounts reported by the lender as paid as agreed can stay on your Equifax credit report for up to 10 years from the date it was reported by the lender to Equifax. Accounts not paid as agreed can remain on your Equifax credit report for up to 7 years.

Most types of negative information generally remain on your Equifax credit report for 6 years. Closed accounts that were paid as agreed remain on your Equifax credit report for up to 10 years after they were reported as “closed” by the lender. Hard inquiries may remain on your Equifax credit report for 3 years.

Most negative information generally stays on credit reports for 7 years. Bankruptcy stays on your Equifax credit report for 7 to 10 years, depending on the bankruptcy type.

You can ask Equifax to delete your personal information. Right to Correct: You can ask Equifax to correct any inaccurate personal information.

​​Accurate positive information can remain on your credit report forever but commonly is removed after seven years. Accurate negative information can remain on your credit report for only seven years, with a couple of exceptions.

Accounts not paid as agreed can remain on your Equifax credit report for up to 7 years. Remain on your Equifax credit report for up to 7 years from the original delinquency date – the date of the missed payment.

Getting old credit reports

Because of the way data is updated, there are no 'old versions' of your Credit Report being stored anywhere - it's not as simple as calling up and asking for a copy of your Credit Report from August 1993.

The three major credit bureaus (Equifax, Experian and TransUnion) will remove collections information if you can prove that it's inaccurate. Sometimes credit reports contain factual errors, and while some are more benign, having a significant error like a misreported collection account can really hurt your score.

No, you cannot remove accurate information from your credit report. The bureaus are required to include all accurate information. While it's unlikely, you can ask the creditor to remove the negative item from your report. There are two main ways to dispute accurate information.

If you need to dispute information with the credit bureaus, the fastest way to do so is online. You'll need to file a dispute separately with each credit bureau. You can file a dispute on the following sites: Equifax: www.myequifax.com.

Can I sue Equifax for losing my information? ›

Absolutely! If Equifax has violated your rights under the FCRA, you can sue them.

Most negative items should automatically fall off your credit reports seven years from the date of your first missed payment, at which point your credit score may start rising. But if you are otherwise using credit responsibly, your score may rebound to its starting point within three months to six years.

A credit reporting company generally can report most negative information for seven years. Information about a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Bankruptcies can stay on your report for up to ten years.

Most of it must be taken off after seven years. Some items, such as bankruptcy, can remain for up to 10 years, and other items, such as civil judgments or tax liens no longer are reported at all.

Most negative items should automatically fall off your credit reports seven years from the date of your first missed payment, at which point your credit score may start rising. But if you are otherwise using credit responsibly, your score may rebound to its starting point within three months to six years.

Information about a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Bankruptcies can stay on your report for up to ten years.

All payments you've made during the last two years — on credit cards, loans or bills, whether you paid on time or not. Payments of $150 or more that are overdue by 60 days or more — these stay on your report for five years, even after you've paid them off.

An account in default will show for 6 years from the date it defaulted, after which it will no longer appear on your credit report. Electoral Register history will be visible to organisations performing a search against your credit report indefinitely as this information is used to help identify who you are.