How long do payday loans stay on file?

@bell 

The length of time that payday loans stay on file can vary depending on several factors such as the credit reporting agency, the state regulations, and the specific loan details. In general, payday loans may stay on file for up to seven years. It is important to note that negative information, like defaulting on a payday loan, can have a lasting impact on one's credit score and ability to access credit in the future.