Direct Answer
Most negative items stay 7 years from the date of first delinquency. Chapter 7 bankruptcy stays 10 years; Chapter 13 stays 7 years. Hard inquiries stay 2 years (only impact the score for 12 months). Paid medical collections must be removed immediately under 2023 bureau policy. Here at Credisure Fix, we challenge anything inaccurate, outdated, or unverifiable so you don't have to wait the full 7 years.