Once you get your credit reports, you can check to see which debts are still appearing. The rules for the reporting of debts can be found in the Fair Credit Reporting Act, or FCRA. The act states that most negative items must be removed from your credit report seven years from the first date of delinquency. Some exceptions to the seven-year rule include: Chapter 7 bankruptcy filings (10 years). Judgments (seven years or until the state statute of limitations expires, whichever is longer). Money owed to or guaranteed by the government (unpaid taxes or student loans stay on your report indefinitely or until seven years from the date paid).