Key facts
| Measure | Value | Year |
|---|---|---|
| credit report adverse info years[1] | 7 | 2026 |
| credit report bankruptcy years[1] | 10 | 2026 |
| credit report civil judgment note[1] | Civil suits, civil judgments and records of arrest generally drop off a consumer report after more than seven years from entry, or when the governing statute of limitations expires, whichever is longer; paid tax liens drop off after more than seven years from payment. | 2026 |
| credit report dispute note[2] | The CFPB provides a consumer tools hub with a how-to guide for disputing an error on a credit report. | 2026 |
| free annual report note[3] | Federal law requires each nationwide credit bureau to give consumers a free copy of their credit report once every 12 months. | 2026 |
Sources
- Cornell Law School Legal Information Institute. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.
- Consumer Financial Protection Bureau. Credit reports and scores.
- Federal Trade Commission. Free Credit Reports.