When will a bad account stay on your credit report if the date was 2012?

A bad account typically remains on your credit report for seven years from the date of the first delinquency. If the account was opened in 2012 and the first missed payment occurred that year, it would likely fall off your report in 2019. However, if the account was charged off or sent to collections later, the seven-year countdown would start from that date instead. Always check with credit reporting agencies for specific details related to your situation.