What is the average length of time to clean up a credit report and get the negative items expunged? I have 10 negative items.
Answers | 2
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Derogatory credit remains on your report for 7 years from the date of last activity. Public records, such as judgments/bankruptcies/foreclosures stay on for 10 years. Improving your credit is far more than waiting for the old, bad references to fall off. You need to be generating positive credit references as well, via timely payment histories and low balances on revolving accounts.