If accounts do not contain adverse information, TransUnion normally reports the information for ten years from the last activity on the account. Adverse information is defined as anything that a potential creditor may consider to be negative when making a credit-granting decision. Like other credit history, paid accounts generally remain on file for seven years from the date closed if they contain any adverse information. If an account is paid and does not contain any adverse information, the account would remain on your file for ten years from the date closed. In general, civil judgments remain on your credit report for seven years from the date filed.
Tax liens remain on file for seven years from the date paid.
If the tax lien is not paid, it will remain on the file indefinitely. Chapter 13 bankruptcies that have been dismissed or discharged remain on file for seven years. All other bankruptcies remain on file for ten years. The personal information appearing on your credit report may either be reported to us by a credit grantor, obtained from public records, or updated in response to correspondence we have had with the individual consumer. Creditors make credit decisions.