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Most negative information such as late creditcard payments, collection agency activity, and other missed payments toward debts remain on your credit report for seven years. Bankruptcy is an exception that may remain on your credit bureau report for up to 10 years.
There is one exception—bankruptcy may remain on your credit bureau report for up to ten years. More precisely, a Chapter7 bankruptcy will remain for up to ten years, while a Chapter 13 bankruptcy generally remains for seven years. This won’t change regardless of whether you pay the past due amount or not.
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