CREDIT SCORE

collections remain 7 years from date of initial missed payment that led to collection. paid collections are simply marked as such on report. 

charge-off remain 7 years from initial missed payment that led to charge-off even if parameters are later made on the charged off account. 

closed accounts are no longer available for further use. they may r may not have a $0 balance. Those with delinquencies remain 7 years from date closed, whether by consumer or creditor. positive closed accounts remain 10 years. 

lost credit card: if no delinquencies, those reported lost will continue to be listed for 2 years from date card reported lost. Delinquent payments that occurred before the card wast lost will report for 7 years. 

bankruptcy:  chapter 7, 11 and 12 remain 10 years from filing date. Accounts included will also remain 7 years. 

city, county, state and federal tax liens:  unpaid tax liens will remain 15 years from filing date. Paid tax liens will remain 7 years from the paid date of lien.