Time Limitations
Negative information can generally be reported for 7 years, with the following exceptions:
- Information about bankruptcy can be reported for 10 years;
- No time limitations are set for information listed because of an application for a job with a salary of more than $20,000;
- No time limitations are set for information reported because of an application for more than $50,000 worth of credit or life insurance;
- Information regarding a legal action or a judgment against you can be reported for 7 years or until the statute of limitations expires, whichever is longest; and
- Information regarding U.S. Government insured or guaranteed student loans can stay on your report for 7 years after various guarantor action.
- Tax liens remain on your report for seven (7) years from the date they are paid.
| STATE | WRITTEN | ORAL |
| ALABAMA | 6 | 6 |
| ALASKA | 3 | 3 |
| ARIZONA | 6 | 3 |
| ARKANSAS | 5 | 5 |
| CALIFORNIA | 4 | 2 |
| COLORADO | 6 | 6 |
| CONNECTICUT | 6 | 3 |
| DELAWARE | 3 | 3 |
| DISTRICT OF COLUMBIA | 3 | 3 |
| FLORIDA | 5 | 4 |
| GEORGIA | 6 | 4 |
| HAWAII | 6 | 6 |
| IDAHO | 5 | 4 |
| ILLINOIS | 10 | 5 |
| INDIANA | 10 | 6 |
| IOWA | 10 | 5 |
| KANSAS | 5 | 3 |
| KENTUCKY | 15 | 5 |
| LOUISIANA | 10 | 10 |
| MAINE | 6 | 6 |
| MARYLAND | 3 | 3 |
| MASSACHUSETTS | 6 | 6 |
| MICHIGAN | 6 | 6 |
| MINNESOTA | 6 | 6 |
| MISSISSIPPI | 3 | 3 |
| MISSOURI | 10 | 10 |
| MONTANA | 8 | 5 |
| NEBRASKA | 5 | 4 |
| NEVADA | 6 | 4 |
| NEW HAMPSHIRE | 3 | 3 |
| NEW JERSEY | 6 | 6 |
| NEW MEXICO | 6 | 4 |
| NEW YORK | 6 | 6 |
| NORTH CAROLINA | 3 | 3 |
| NORTH DAKOTA | 6 | 6 |
| OHIO | 15 | 6 |
| OKLAHOMA | 5 | 3 |
| OREGON | 6 | 6 |
| PENNSYLVANIA | 4 | 4 |
| RHODE ISLAND | 10 | 10 |
| SOUTH CAROLINA | 3 | 3 |
| SOUTH DAKOTA | 6 | 6 |
| TENNESSEE | 6 | 6 |
| TEXAS | 4 | 4 |
| UTAH | 6 | 4 |
| VERMONT | 6 | 6 |
| VIRGINIA | 5 | 3 |
| WASHINGTON | 6 | 3 |
| WEST VIRGINIA | 10 | 5 |
| WISCONSIN | 6 | 6 |
| WYOMING | 10 | 8 |
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