How long does debt stay on your credit report?

How long can a debt stay on my credit report, how long does debt relief stay on your credit report, or how long does a collection stay on your credit report—the FCRA sets maximum reporting periods for most negative information. Many adverse items fall off after seven years; Chapter 7 bankruptcy may report up to ten years. ^[1][2] Collections and charge-offs Often seven years from the date of first delinquency. Judgments Reporting periods vary with state law and renewal rules. Positive information May remain longer; no statutory maximum like negatives. Disputes Use CFPB guidance to dispute inaccurate tradelines. ^[2]