Boost Your Credit Score
A strong credit score can significantly impact various aspects of your life, from securing favorable interest rates on loans to finding a rental apartment.
Your credit score is derived from the data in your credit report. Understanding how long different types of information remain on your report is essential for managing your credit effectively.
How Long Do Different Items Stay on Your Credit Report?
**Fraud Alerts:** 90 Days
Free to set up, fraud alerts require businesses to verify your identity before issuing credit in your name.
**Promotional Inquiries:** 1 Year
These pre-approved credit card offers stay on record for a year without affecting your score.
**Soft Inquiries:** 1-2 Years
Inquiries for background checks or made by you don't impact your credit score.
**Credit Counseling:** 2-3 Years
Includes records of debts settled through a debt management program.
**Account Closures:** 6 Years
For accounts shut down due to debt or fraud.
**Late Payment History:** 7 Years
**Tax Liens:** 7 Years
**Collection Accounts:** 7 Years
**Bankruptcy:** 7-10 Years
Duration varies by location and type.
**Repeated Bankruptcy:** 14 Years
**Good Credit Accounts:** 10+ Years
Accounts in good standing remain for a decade after the last activity. Good credit habits can enhance your score for years to come, so think twice before closing accounts with positive history.
