The biggest change is that any negative issue, even paying late one time on a credit card, can immediately be recorded on your credit history. Another problem is that removing negative information is not easy. When credit histories used to be just a series of paper pages it was easy to remove something and be sure there was no other copy of it. Nowadays, removing an item from one database may not affect another, and, as most of us computer users know, things are never really deleted. Some experts warn that negative information can stay on a person’s credit history for ten years.