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Home > Tools & Resources > Boost Your Credit Score: How Long Does Information Stay On My Credit Report?
Boost Your Credit Score: How Long Does Information Stay On My Credit Report?2/8/2022
  • Your credit score can affect everything from the interest rate on your loans to landing an apartment.
  • Your credit score is based on the information found in your credit report.
  • Knowing how long your activitiy remains on your credit report can help you better manage your credit score. 

How long does information stay on my credit report?*

*Timeline is approximate and may vary depending on local legislation.

  • Fraud alerts (90 days): Fraud alerts are free to set up and require businesses to verify your identity before issuing credit in your name.
  • Promotional inquiries (1 year): Things like pre-approved credit card offers stay on file for one year but are not factored into your credit score.
  • Soft inquiries (1-2 years): These are inquiries made for background check purposes, or by you. They do not affect your credit score.
  • Credit counseling (2-3 years): This includes records of debts paid through a debt management program or credit counselor.
  • Hard inquiries (6 years): Made by other lenders or businesses; many inquiries in a short amount of time can lower your score.
  • Bad checks (6 years): Records of non-sufficient funds are kept for 6 years.
  • Account closures (6 years): For accounts closed due to debt or fraud.
  • Late payment history (7 years)
  • Tax liens (7 years): This includes judgments (a court order that allows the creditor to use additional collection methods).
  • Bankruptcy (7-10 years): Depends on location and the type of bankruptcy filed for.
  • Good credit (10+ years): Accounts paid on time stick around for 10 years after their date of last activity.
  • Bankruptcy again (14 years): If you declare bankruptcy more than once, it stays on record for longer.

Your credit report checklist

  • Request your free credit report from each of the main credit bureaus.
  • Review your personal information and make sure that it’s up-to-date.
  • Read your credit report. If you need help, visit the credit bureau’s website for guidance.
  • Report any unauthorized activity to the issuing credit bureau.

Sources: Federal Trade Commission, Experian, TransUnion, LearnVest Planning Services

Credit Score Infographic



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For questions or information on how you can improve your credit score, call us at (850) 434-2211 and select option 2 to speak with a representative in our Loan Department or stop by a branch.

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Members First CU of Florida
NMLS #405711
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

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