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How long does information about me stay on my consumer report?


Consumer reporting agencies are required by law to remove most negative information about your account after seven years, which generally means that if you find an item in their report that is older than seven years you should dispute that information.

Note that consumer reporting agencies are not required to remove information about bankruptcies for ten years and that civil suits, civil judgments, and records of arrest can stay on for seven years or until the governing statute of limitations has expired, whichever is the longer period.

Consumer reporting agencies can always choose to delete data earlier than required by law.

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Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The Miss April updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

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