• James D. Lynch


● Most derogatory (negative) information stays on your credit report for seven years. This includes late payments, unpaid debts, foreclosures, defaulted student loans, and judgments against you.

● Chapter 7 bankruptcies can stay on your credit report for 10 years. Chapter 13 bankruptcies are deleted after seven years since it required at least a partial repayment of the debts.

● An inquiry (i.e. a record of a potential lender checking your credit in response to your loan/credit application) stays on your report for two years. Too many inquiries can be seen as a negative.

● Unpaid tax liens can remain on your credit report indefinitely, although they are typically removed after 15 years. Once it is paid, it must be removed seven years from the date it was filed.

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Law Office of James D. Lynch, PLLC

3000 Joe Dimaggio Blvd #90, Round Rock, TX 78665


(512) 745-6347

(714) 745-3875

©2020 by Law Office of James D. Lynch, PLLC. The information contained in this website is for informational purposes and is not to be considered legal advice.  Any correspondence between you and the Law Office of James D. Lynch is not intended to create an attorney-client relationship.  Please do not send confidential information to us until after an attorney-client relationship has been established by an engagement letter signed by the proposed client and our attorney.