![]() Credit transactions remain on your report for roughly 6 years.Īny negative activity (ex: fraud) within a chequing or savings account remains on your report for about 6 yearsĭebt that has been sent to collections stays on your report for approximately 6 years. This includes credit cards and lines of credit. The duration also depends on the credit bureau, TransUnion and Equifax have unique policies related to how long information stays on your report.Īs a rule of thumb, see the below credit record information types and the corresponding length of time it remains on your report when it is ‘negative’ in nature. ![]() Generally speaking, negative information will remain on your report for approximately six years, after which it’ll disappear from your credit report. The duration of how long negative information stays on your credit report differs depending on the nature of the delinquent item. How Long Does Negative Information Stay on Your Credit Report? However, if your fees are sold to a collection agency, it could impact your credit.
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