how long delinquency record stay on your credit report
While most negative credit information remains on your credit report for a maximum of 7 years, some information remains longer. Credit Accounts:Negative information remains for 7 years from the initial missed payment that led to the delinquency. Active positive information can remain indefinitely (if an account is closed that has been positive, then it will typically remain on your report for 10 years after the date the account is closed). Collection Accounts:A collection account remains for 7 years from the initial missed payment that led to the collection.