Основи кредитного відновлення
Як довго негативні записи залишаються у звіті
By Credit Booster Team | Published April 10, 2026 | Updated April 11, 2026
Повний перелік термінів перебування негативних записів у звіті.
Negative Item Timelines
Understanding how long negative items stay on your report helps you plan your credit repair strategy.
Complete Timeline
| Item |
Duration |
Starts From |
|
|------|----------|-------------|
| Late payments (30-180 days) |
7 years |
Date of delinquency |
|
| Collections |
7 years |
Date of original delinquency |
|
| Charge-offs |
7 years |
Date of charge-off |
|
| Chapter 7 bankruptcy |
10 years |
Filing date |
|
| Chapter 13 bankruptcy |
7 years |
Filing date |
|
| Foreclosure |
7 years |
Date of foreclosure |
|
| Tax liens (unpaid) |
Removed since 2018 |
N/A |
|
| Hard inquiries |
2 years |
Date of inquiry |
|
| Civil judgments |
Removed since 2018 |
N/A |
|
Key Insights
Impact decreases over time — A 5-year-old collection hurts far less than a recent one
You don't have to wait — Many items can be disputed and removed before they expire
Re-aging is illegal — Collectors cannot restart the 7-year clock
Paying a collection doesn't restart the clock — But it may update the "last activity" date
For Business Owners
If you need funding within the next 12 months, don't wait for items to fall off naturally. Strategic disputes can remove items in weeks, not years.
CreditBooster's dispute process has removed items in as little as 27 days from start.