Credit Report Collection Q & A


Iā€™m confused about the 7 year guideline. Does that mean any item that is on my credit report and is more than 7 years old have to be removed or do I have to dispute the item and hope that it is removed. For example, a credit card with a balance that has been in default since 1999.

Thank you,



Hi Jeffrey,

Typically most collections are only suppose to be on your credit report for 7 years from Collection date. Unfortunately they don’t always get removed properly. There are some collections that stay on your credit report longer than 7 years. Here is how long certain collections stay on your credit report. Collection Expiration periods.If you find your collections on your credit report has expired, you can use our on-line credit dispute link to dispute them and get them removed from all 3 credit bureaus.

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