Comments on: How long can a bank keep a delinquency on a credit report? http://www.topcreditresources.com/credit-report/how-long-can-a-bank-keep-a-delinquency-on-a-credit-report-2 Tools and information about Credit, Loans, and Debt Sat, 21 Jan 2012 13:12:59 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: michr http://www.topcreditresources.com/credit-report/how-long-can-a-bank-keep-a-delinquency-on-a-credit-report-2/comment-page-1#comment-1519 michr Fri, 19 Feb 2010 20:40:59 +0000 http://www.topcreditresources.com/credit-report/how-long-can-a-bank-keep-a-delinquency-on-a-credit-report-2#comment-1519 you defaulted that does not take it off the banks books they may carry that forever and continue to report it. it depends on the bank but that is so long ago most creditors aren't even going to look at it. if that is the only problem you ever had it has no effect on your credit score, most creditors would just ask you for a letter explaining what happened if they even noticed it. generally creditors look at the last 3 years of payment history and then look at public records (bankruptcies ) for the last 10 years.<br><b>References : </b><br> you defaulted
that does not take it off the banks books
they may carry that forever and continue to report it.
it depends on the bank
but that is so long ago most creditors aren’t even going to look at it.

if that is the only problem you ever had it has no effect on your credit score, most creditors would just ask you for a letter explaining what happened if they even noticed it. generally creditors look at the last 3 years of payment history and then look at public records (bankruptcies ) for the last 10 years.
References :

]]> By: Brigid_01 http://www.topcreditresources.com/credit-report/how-long-can-a-bank-keep-a-delinquency-on-a-credit-report-2/comment-page-1#comment-1518 Brigid_01 Fri, 19 Feb 2010 20:34:59 +0000 http://www.topcreditresources.com/credit-report/how-long-can-a-bank-keep-a-delinquency-on-a-credit-report-2#comment-1518 I have always been told seven years. But people are complaining that old records aren't getting deleted the way they used to.<br><b>References : </b><br> I have always been told seven years. But people are complaining that old records aren’t getting deleted the way they used to.
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