how long does bad debt stay on your credit
Most negative credit entries remain on your credit report for seven years. This includes late payments -- such paying a credit card bills more than 30 days after the due dates -- foreclosures, Chapter 13 bankruptcies and debt being sent to collections.There are, however, a few exceptions to the seven year practice.n general, negative credit entries will stay on your credit report for seven years. However, the exact amount of time varies based on factors such as whether the delayed payment or bad debt is disputable, and the source of the bad credit.