How long do you keep my credit information?

Payment in full does not remove your payment history. The length of time information remains on your credit file is:

• Credit and collection accounts: Seven (7) years from the date of last activity.
• Courthouse records (such as judgments, liens, and bankruptcies): Seven (7) years from the date filed, except for Chapters 7 and 11 bankruptcies which remain on your credit file for ten (10) years from the date filed.
• New York State only: Satisfied judgments five (5) years from the date filed; paid collections: five (5) years from the date of last activity with the original creditor.
  

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