How long can a consumer reporting company report negative information?

Personal Finance February 23, 2013 Print Friendly and PDF

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.

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