How long do credit issues remain on my credit report?

There are time limits for keeping and reporting credit information under the Credit Reporting Privacy Code (CRPC). See Schedule 1 of the CRPC for a full list:

CRPC Schedule 1: Maximum Reporting Periods

Credit reporters can: 

• Generally disclose credit information for only four to five years, and keep this information on their internal record for one year more;

• Disclose information about your current accounts until two years after those accounts have closed;

• Keep identification information indefinitely; and

• Keep information about multiple bankruptcies indefinitely.