How long can a consumer reporting company report negative information?

Personal Finance February 23, 2013|Print

A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years.

There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance.

Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations for your state of residence runs out, whichever is longer.

We would like your feedback on this Personal Finance Frequently Asked Question.