How long do negative items stay on my FICO report?

Negative items stay on your FICO report for varying periods depending on the nature of the item. Most negative information, such as late payments and collections, can generally remain on your report for up to seven years. However, certain bankruptcy filings may stay on your report for up to ten years. It is important to note that the impact of these negative items on your credit score diminishes over time. As you demonstrate responsible credit behavior and establish a positive payment history, the negative impact of these items will decrease. It's crucial to consistently make on-time payments and manage your credit responsibly in order to rebuild your creditworthiness and improve your FICO score.