Lifespan of Negative Credit
Here is another article with great information about credit reports.
Negative information is deleted seven years from the original delinquency date. Collection agencies are required to report the original delinquency date from the original account.
The original account and the collection account will be deleted at the same time. The original delinquency date does not change when the account is sold from one collection agency to another, according to Experian’s public education director, Rod Griffin, so the time does not start over each time the debt is transferred.