Credit Reporting Time Limitations

Consumers often confuse statute of limitations with the credit reporting time limit. These are two different time frames related to your debts and will each have a different effect. Today we will cover credit reporting time limitations.

A credit reporting time limit is the maximum amount of time the credit reporting agencies can include derogatory items on your credit report. For the majority of these accounts, such as collection accounts, the maximum time limit is seven years from the date of delinquency. Public records on the other hand, such as tax liens and judgments, can report for 10 years. These credit reporting time limits are imposed by the Fair Credit Reporting Act (FCRA). Although the credit reporting time limits are imposed by the FCRA, there is not an enforcement agency in place to ensure that all items are reporting by these limits.

To ensure that your credit report and the items within are reporting by the FCRA, it is best to check your report at least once a year. Under federal law, consumers have a right to a free credit report once a year from or by calling 877-322-8228. If you see it has been past the seven year mark, do not wait for the items to fall off! You have the right as a consumer to dispute these inaccuracies.

If you find any items reporting past the credit reporting time limitation, or if you find any other inaccuracies, contact MSI Credit Solutions. We can assess your credit report and provide a free consultation regarding our credit repair services. If you are unsure as to how to dispute these items, you do not have to do it alone. MSI can provide you the professional services needed to assist in eliminating inaccuracies.



MSI NEW LOGOMSI Credit Solutions provides superior credit restoration and comprehensive consulting services that are reliable and affordable. For any questions or to schedule a free credit consultation, contact us at (866) 217-9841.

 *The information in this article has been provided strictly for educational purposes.


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  1. […] to this point, we have now distinguished the difference between credit reporting time limitations and statute of limitations. Today we will cover how debt collectors can use the court system to […]

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