How long Does Bad Credit Stay on Your Record?

Deuteronomy 15King James Version (KJV)

15 At the end of every seven years thou shalt make a release.

And this is the manner of the release: Every creditor that lendeth ought unto his neighbour shall release it; he shall not exact it of his neighbour, or of his brother; because it is called the Lord‘s release.

You may have had a few bad months or even a few bad years when debt got out of hand and your financial obligations became uncontrollable. After missing three or four payments on your credit card accounts or other bills, your credit report will begin to reflect negative payment information and your credit score will begin its decent. As a general rule, 7 years is the length of time a credit report will show an accurate negative mark but it is more complex than that. Here are the exceptions to the 7-year rule of credit reports:


If you have filed for bankruptcy, the information will be reported on your credit history for the following 10 years Tax Liens If you had a lien filed against your for taxes owed to the government, the information will remain on your credit history report for 7 years from the date you paid the debt.

Loan Default

If you default on a loan with the U.S. government or a guaranteed student loan the information can be reported for 7 years after the guarantor takes action.


Judgments against you in a lawsuit can be reported to your credit history for seven years or for the period specified in the statute of limitations, whichever is longer.