New Delhi, Feb. 11 -- Do you use a credit card regularly and happen to delay your bill payment at times? You should remember that the negative information with regards to your credit card and personal loan can stay on your credit report for longer than you can imagine.

Not many may be aware that the information regarding default or delay may stay on your credit information for as long as seven years.

This applies to bureaus such as CIBIL, CRIF High Mark and Experian, thus impacting your credit score.

These are key points one should remember about the tenure for which negative information stays on the credit report

Delay in payments: Remain on your credit report for up to seven years from the date of the missed payment, even if you lat...