 TITLE: How Long Does It Take to Rebuild Credit? CONTENT: How Long Does Negative Information Stay on Your Credit Report?\n--------------------------------------------------------------\nPart of the reason it may not be easy to fix your credit quickly is that most accurately reported negative marks can stay on your credit report for seven to 10 years. Because credit scoring models such as FICO® and VantageScore® use your report to calculate your credit score, these long-term negative marks can have a lengthy effect on your scores.\n*   **Late and missed payments**: 7 years\n*   **Collection accounts**: 7 years\n*   **Chapter 13 bankruptcy**: 7 years\n*   **Chapter 7 bankruptcy**: 10 years\n*   **Credit inquiries**: 2 years\nAlthough their impact diminishes over time, negative marks may affect your scores the entire time they're part of your credit history. Hard credit inquiries are an exception, as FICO® only considers hard inquiries for the first 12 months even though credit bureaus leave them on your credit reports for about two years. END