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Mistyturnedaround

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How long can a agency report

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You don't say which agency

But in general, everything your do becomes part of yoru credit history. 

Creditors: banks, Credit cards, loans and mortages all report as long as you have the account.  Once the account is closed, it will continue to show on your credit report for 7 years from the date of last contact.  

Collection agencys falll in the same catagory, They will report until the account is paid off, written off, or settled in court.  They too will show on your report for 7 years from the date of last contact.  

Credit Inquiries, When you apply for credit, weather you opened an account or not stay on your report for 2 years. 

Things that involve the Government and courts stay on your reports for at least 10 years from the date of last contact,  Bankruptcies, Tax liens, Child support etc. 

Most credit scoring models base your score on the last 84 months of info in your credit report. For mortgages (Jumbo loans)  that can be 10 or more years.  

Realize too. there are over 300 scoring models used in the US today. Most banks and lenders have their own, Retailers and credit card companies generally use one of the FICO models.  So what you see as a score in one place may not be what you have elsewhere.

Good luck 

Top Contributor
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"date of last contact" has ABSOLUTELY NOTHING to do with the amount of time an account will remain on your reports.

Accounts closed in good standing remain for ten years and sometimes longer. Never try to remove these accounts.

Most negative accounts remain for seven years from the DOFD (date of first deliquency) date on the original account.

Some negative info can remain for ten years, such as Chapter 7 bankruptcy.

Federal loans can remain way beyond these times if not paid.

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