How Long Do Negative Accounts Remain on a Credit Report?

How long do negative accounts stay on your credit report:

  1. Default on a loan = 7 years
  2. Collection accounts, Repossession, Charge-offs, Medical bills = 7 years
  3. Bankruptcy = 10 years
  4. IRS liens = Indefinitely until removed by IRS
  5. Inquiry for financial purpose = 2 years
  6. Judgments = 7 years

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