How long does a bad credit score stay on credit report?

A bad credit score can stay in your credit report for up to 6 years.

A bad credit score typically ranges 300-600. Late and improper payments are the common causes of lowering credit scores among Canadians. Despite any actions to resolve debts and credit errors, a bad credit report can stay up to 6 years depending on the credit bureau (e.g. Equifax and Transunion). Credit lenders and vendors have enough time to review a customer’s credit report to determine loan eligibility. Unfortunately, there is no way of removing any information from your report. However, any signs of improvements in your credit score will be displayed longer than delinquent information.

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