here you’ll find a few comprehensive & FREE sites that explain it all quite nicely.Check out the first one down the list first!
if you get any luck please don’t forget about me lol, hope it helped you!

Most debts are reported on your credit report for 7 years.
The 7 yr. period begins when the debt has been sent to collections, whether internally or to a 3rd party collection agency, at the end of 180 days after the first date of delinquency.

Check your credit reports, as they usually tell you when accounts will be removed.

10 yrs.

Seven years is the “canned” answer for this question. The key is that the entry remains for seven years after the first 90-days form when the creditor first reported the derogatory history. The real answer is seven years and 90-days from the first derogatory entry.

Good luck!

Will D
Enterprise AL

The federal “Fair Credit Reporting Act” permits a creditor to report derogatory information for up to 7 years.

its stays on the record for 10 years, it used to be 7 years but as of last year all bad credit reports post for 10 years.

7 years honey. 7 long years

It will be removed seven years from the date that it occurred. If you check your credit report then it will tell you the month and year that it will be removed. Oh, by the way, you are in titled to one free credit report from each credit agency every year. Here is the link below to do this. Also, it is a good idea to monitor your credit reports. If you find anything suspicious report it immediately.

depends on what it is, but it usually stays on there for between 5-7 years

I think it stays on you record for seven years, even if you pay off over due balance with creditors. Good Luck