The Credit Bureaus would like you to believe that all information stays for 7-10 years, regardless of anything you do.

However, the dispute process we use may DELETE THESE NEGATIVE ITEMS ALTOGETHER!

Good credit - 10 years or longer.
Negative credit (late payments, collections, charge-offs, closed accounts, child supports, civil and small claim judgments, paid tax liens) - 7 years.
Chapter 7, 11 and 12 Bankruptcy - 10 years.
Chapter 13 Bankruptcy - 7 years.
Unpaid tax liens - 10 years.
Inquiries - 2 years.