 TITLE: What’s Not Included in Your Credit Report? CONTENT: Expired and Extraneous Information\n----------------------------------\nAt some point, even relevant financial information becomes old news. Following are a few examples of when items expire and should automatically drop off your credit report:\n*   Chapter 7 bankruptcy: 10 years\n*   Chapter 13 bankruptcy: 7 years\n*   Collection accounts: 7 years\n*   Late or missed payments: 7 years\n*   Closed credit accounts in good standing: 10 years\nYour credit report also excludes personal information that is irrelevant to your credit. Examples include:\n*   Marital status\n*   Disabilities\n*   Race or ethnicity\n*   Religious beliefs or affiliations\n*   Political affiliations END