How long will bad credit stay on my credit report?

Late payments: These stay on your credit history for 7 years - 30-180 day lates reported against you - most common: Credit Cards.

Collection accounts: These will stay on your report for 7 years - starting on the delinquency date. If you pay off the collection then it will be marked "paid in full" or "paid collection on the credit report.

Bankruptcy: If you file chapter 7, 11 or 12, expect these to remain on your credit history for 10 years. If you file chapter 13, expect it to be on your credit report for 7 years.

Tax Liens: Expect these to stay on your credit report for 15 years. These include federal, city, county, and state tax liens.

Paid Tax Liens: Once you pay the lien, expect it to be on your credit report for 7 years.

Closed accounts - with delinquency: If you havn't paid off an account that has been closed it will remain on your credit report for 7 years from the time you close the account. However the delinquency notation will only appear for 7 years regardless of whether the account is open or closed.

Closed accounts - with positive balance: These stay on your credit report for 10 years.

Inquiries: most inquiries into your credit history stay on your credit report for 2 years.

Quick Cash Loans

You can get into trouble by missing credit card payments... it will devastate your credit. Sometimes it's tough but the best solution is to borrow short term funds ( payday loans, quick cash loans etc...) to avoid a destroying your credit score. If your not sure you fully understand payday loans, you can review here - Quick Cash Loans