How long does a debt remain on my credit report?

In California, the length of time a debt may remain on your credit report depends on the type of debt. Most types of negative information can stay on your credit report for up to seven years. This includes unpaid bills, missed payments, and accounts sent to collections. However, there are some exceptions. Bankruptcies can stay on your credit report for up to 10 years, or as little as seven years in certain circumstances. Also, any outstanding tax liens may remain on the report indefinitely if they are not settled. Fortunately, Californian consumers have access to the Consumer Debt Defense Law, which can help protect their rights when dealing with creditors. This law can help ensure that any debts on your credit report are accurate and up to date, and that creditors are not attempting to collect amounts you do not owe. In addition, the Consumer Debt Defense Law requires creditors to provide you with a detailed explanation of the debt, as well as any additional documents that may explain the debt’s status. This helps to ensure that your creditors cannot unduly delay the removal of a debt from your credit report. In summary, the length of time a debt may stay on your credit report in California depends on the type of debt and may range from seven years to indefinitely. The Consumer Debt Defense Law provides added protection from creditors by requiring them to provide accurate information and documents relevant to the debt.

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How long does a debt remain on my credit report?

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