When negative information in your report is accurate, only the passage of time can assure its removal. A shopper reporting company can report best negative information for 7 years and bankruptcy info for 10 years. Info regarding a delinquent judgment against you may be reported for 7 years or till the statute of constraints runs out, whichever is longer. There is not any time limit on reporting information about criminal convictions; information reported responding to your application for a job that pays more than $75,000 a year; and information reported because you've applied for at least $150,000 worth of credit or life assurance. There is a standard methodology for working out the seven-year reporting period. Generally, the period runs from the date the event occurred.