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Question By
Smillynn

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When do items get removed from your negative history after they are paid off?
Such as Paid off ; Tax Lien, Garnishment, Legal Judgements and Collections Accounts?

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Top Contributor
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The date of payment does not affect their removal from your credit report.  Items are removed 7 years from the date they were posted as unpaid.  It is routinely either the date of last payment of date of collection.  Once they are reported, any payments made later does not change this date, it only reports if they are paid/satisfied or not.   The exception to the 7 year rule is  Chapter 7 bankruptcy (10 years);  Unpaid Tax Liens - forever;  Unpaid Student Loans - forever.  I hope this answers your question.

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