Negative financial information (excluding bankruptcy) can stay on your credit report for:

It depends on the type of negative financial information that is on your credit report. For example, an account that has undergone the collections or delinquency process can stay on your credit report for up to 7 years. Car loans may stay on your credit report for up to 10 years. However, it really depends on the type of account, and the account company. Some accounts will report positive payments after collections within 30 days. Others may take longer.