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A tax lien remains on a credit report, and affects a credit score and the ability to apply for new forms of credit, for 15 years if it is not paid. A tax lien that is paid will remain on a credit report for 7 years after it has been paid.
1 Tax liens. 2  Paid tax liens will typically stay on your credit report for seven years from the date released (paid), while unpaid tax liens can remain on your credit report for 15 years. 3  Bankruptcies. 4  In general, the public record of a bankruptcy can stay on your credit report for 10 years. In general, the public record of a bankruptcy can stay on your credit report for 10 years. 2  However, you may see individual accounts in the bankruptcy, such as credit accounts, fall off of your report seven years and 180 days from the start of the delinquency on the account.