how long do derogatory stay on credit report
Actually, it will be 7 years and 180 days. For derogatory accounts added to your credit file since December 29, 1997, the length of time on your credit report will be 7 years and 180 days.This is according to the Consumer Credit Reporting Reform Act of 1996 which amended the Fair Credit Reporting Act.ow Long on your report. For derogatory accounts added to your credit file since December 29, 1997, the length of time on your credit report will be 7 years and 180 days.