The Fair Credit Reporting Act (FCRA) determines the maximum amount of time an item can stay on a credit report. In California, the statute of limitations on credit card debt is four years. If the state of Delaware applies, the statute of limitations is only three years.
http://www.foxbusiness.com/features/2013/04/05/how-long-does-old-debt-stay-on-credit-reports.html
ChexSystems is not required to provide a free copy of your score, however, so while you can purchase a copy of your score at any time, it will not be included in your free report. Upon receiving your request, your ChexSystems report or score will arrive by mail within five business days.
https://wallethub.com/edu/what-is-chexsystems/13131/
How To Get A Copy Of Your ChexSystems Report & Score. Under the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your report once every 12 months or if you’ve been rejected by a bank in the past 60 days.
https://wallethub.com/edu/what-is-chexsystems/13131/
Accounts paid as agreed generally remain on your credit file for up to ten years from the date of last activity (DLA). Accounts not paid as agreed generally remain on your credit file for seven years from the date the account first became past due, leading to the current not-paid status.
https://blog.equifax.com/credit/faq-how-long-does-information-stay-on-my-credit-report/
Once you get your credit reports, you can check to see which debts are still appearing. The rules for the reporting of debts can be found in the Fair Credit Reporting Act, or FCRA. The act states that most negative items must be removed from your credit report seven years from the first date of delinquency. Some exceptions to the seven-year rule include: Chapter 7 bankruptcy filings (10 years). Judgments (seven years or until the state statute of limitations expires, whichever is longer). Money owed to or guaranteed by the government (unpaid taxes or student loans stay on your report indefinitely or until seven years from the date paid).
http://www.bankrate.com/finance/debt/old-debt-fall-credit-report.aspx
Helpful to 180 out of 196 people. you are confusing your terms... a credit report shows all of your current credit accounts and your payment history on each.. each entry is called a tradeline, and negative tradelines, can stay on your report for 7 years, like with a past due bill you paid late from 2003.
https://www.creditkarma.com/question/do-bad-credit-reports-automatically-come-off-after-7-years
This is almost correct. Although items must be removed from your credit report after 7 years of inactivity, you can be sued for them until the statute of limitations expires. The statute of limitations varies from state to state; for instance, in Illinois, the statute of limitations is 10 years.
https://www.creditkarma.com/question/do-bad-credit-reports-automatically-come-off-after-7-years
Credit Accounts. 1  Accounts paid as agreed generally remain on your credit file for up to ten years from the date of last activity (DLA). 2  Accounts not paid as agreed generally remain on your credit file for seven years from the date the account first became past due, leading to the current not-paid status.
https://blog.equifax.com/credit/faq-how-long-does-information-stay-on-my-credit-report/
1 Are You In ChexSystems & What’s In Your Report? 2 How Long Do You Stay In ChexSystems? 3 What Is A ChexSystems Score? 4 How To Get A Copy Of Your ChexSystems Report & Score 5 How To Get Out Of Or Correct Errors In ChexSystems 6 Tips For Maintaining A Good Record & Finding Alternatives.
https://wallethub.com/edu/what-is-chexsystems/13131/
Luckily, there are set time frames for how long negative information remains on a credit report. In general, negative information more than seven years old from the date of last activity (ten years for bankruptcies) must be removed from your file.
https://blog.equifax.com/credit/faq-how-long-does-information-stay-on-my-credit-report/
how long does things stay on your credit report
The things stay on your credit report is Seven years. Things stay on your credit report for seven years. The things on your credit card report stays for seven years.