How long will my payment history remain on the reports?

Even though you make a payment in full, it does not remove your payment history. The length of time payment history remains in your file is:

7 years from the date of the last activity - Credit and Collection Accounts
7 years from the date filed - Courthouse Records
10 years from the date filed - Bankruptcy Chapters 7 and 11
5 years from the date filed - Satisfied judgments, paid collections New York residents only

In most cases your negative information more than 7 years old will be removed from your credit reports. However, employers, insurance companies, or potential creditors may legally request negative data prior to that limit.