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MariT75

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lenght item can remain in credit report
How long can an item stay on your credit report after it is in collection? I read somewhere that it takes 7yrs. I ask because, it has been more than 7 yrs and I have now received a letter of wage garnishment. I am not familiar with this so I wondered if they are even able to continue pursuing this after more than 7 yrs and is the only way to remove this by claiming bankruptcy. I have been trying to repair my credit and see my score has improved although it is still poor but I would hate to have all my hard work in repairing this to go to waste if bankruptcy is the option.

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The statute of limitations on debt is not directly related to the credit reporting laws. If you are receiving a wage garnishment then most likely there has been some legal action taken that establishes the right of the creditor to recover damages. That usually shows up as a public record item on your report. The only way you can stop the wage garnishment is to make a deal with the creditor.

However, what should happen is that the debt item will fall off your report after 7 years, but will then show as a public record item if the creditor took further action, and will remain for another 10 years.

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