The adverse information appears on your credit report for the full duration of this period. (sapling.com)
While inquiries appear on your credit report for two years, the scores only look at them for the first year. (speakingofcredit.com)
While information on your credit report stays there for several years, lenders are most interested in the last 12 months as it most accurately reflects your current ability to manage money. (bankingsense.com)