how long can a debt be on your credit report
The credit reporting time limit is seven years for most negative information. Certain types of negative information will stay on your credit report for longer than that. Delinquency information like late credit card payments and collections can be reported for seven years from the date of the delinquency. Charge-offs, seven years + 180 days from the date reported to the credit bureau, usually this is simply seven years from the date of the charge off.