For how long can negative information appear on my credit report?

Section 20.05 of the Texas Business & Commerce Code lists the information that a credit reporting agency may not furnish on a consumer report. Certain negative information may not be reported after 7 years. Certain bankruptcy information may not be reported after 10 years. For federal laws regarding credit reporting agencies and the information they may or may not furnish on a credit report, see Title 15, Chapter 41, Subchapter III of the U.S. Code.

For more information, see our research guide on credit reports.