How Long Does Information Stay on a Credit Report?

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Information stays on a credit report for about five years, but any personal credit information online can be accessed for an undetermined amount of time. Calculate how long credit history lasts with information from a financial manager and currency trader in this free video on finance.

Part of the Video Series: Credit Information & Tips
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Video Transcript

I'm Roger Groh. The question today is how long does information stay on a credit report? Well, traditionally it's been 5 years. Where a credit agency will track payments that you've made or have not made for the previous 5 years and come out with a score for how you've done. In the old days it used to be 5 years that data would show up on your credit with the credit reporting companies. But let's face it, if you are going to be hiring an employee, the first thing you do, yeah you look at their name on their application, but you Google them and believe me, their credit companies and banks are going to do the same. So Google is also a logical place where anything about you that has happened publicly will likely show up. That never goes away. So really there are two ways, one is A in the traditional credit reporting companies, figure 5 years but anything that else has happened that has his the web, divorce, lack of payments, lawsuits, bad pictures, especially in FaceBook stays forever. So be really careful. I'm Roger Groh and that's how long your credit reporting history stands.

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