How long does a debt remain on my credit report?

In Washington, consumer debt defense law states that a debt will remain on your credit report for seven years from the date it was reported as delinquent. However, there are a few exceptions that you should know. First, a debt associated with a bankruptcy filing will remain on your credit report for ten years. If you have filed for bankruptcy, the debt will be reported for this length of time regardless of the date it was reported as delinquent. Second, if you have been delinquent on a debt for more than seven years, it may still remain on your credit report. This is because a creditor has the right to make a notation on the report that the debt is beyond the seven-year reporting period. Finally, if you have made payments on a debt or have had it discharged in a bankruptcy, this may also affect the time it remains on your report. In such a case, the debt may be reported for seven years from either the date you became delinquent or the date the debt was discharged or paid in full, whichever comes first. In any case, it is important for you to regularly review your credit report to make sure the debts listed are accurate. If a debt is reported inaccurately, you can contact the creditor or the credit-reporting agency to have it removed.

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How long does a debt remain on my credit report?

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