How long does negative information stay on my Credit Report?

You missed a loan payment. Now you are worried. Will that mistake follow you forever? Will you never be able to borrow again?

Here is the truth that loan apps do not want you to know: negative information on your credit report has an expiration date. And it is shorter than you think.

In this video, we break down exactly how long late payments, defaults, and write-offs stay on your Nigerian credit report. We also explain when the clock starts ticking, whether paying a debt removes it faster, and what happens after the time limit expires.