How Long for Credit Info to Expire?

A: Federal law prevents credit bureaus from reporting most negative information for longer than seven years, but there’s no limit on how long bureaus can report positive or neutral information.

So if you missed a payment on an account, you can expect the bad mark to disappear after seven years. If the account was simply closed for inactivity or you decided to shut it down, there’s technically no limit to how long it might show up on your credit reports.