When Should I Shred It?

Immediately

  • Credit offers
  • Cancelled checks (that are not tax-related)
  • Expired warranties

3 Months

  • Sales receipts
    • Once correctly posted to yourt bank account or credit card statement, and you have no plans to return
  • ATM receipts
  • Paid credit card statements
  • Paid utility bills

Up to 1 year

  • Pay stubs
  • Bank statements
  • Paid, undisputed medical bills

After 7 years

  • Tax-related receipts
  • Tax-related cancelled checks
  • W-2s
  • Records for tax deductions taken
  • Tax returns

It depends...

  • Auto titles
    • Keep as long as you own the vehicle
  • Home deeds
    • Keep as long as you own the property
  • Disputed medical bills​
    • Keep until the issue is resolved
  • Home improvement receipts
    • Keep until you sell your home and pay any capital gains taxes
  • Sale of business

Keep forever

  • Birth certificates
  • Social Security cards
  • Marriage or divorce decrees
  • Citizenship papers
  • Adoption papers
  • Death certificates
  • Military records

Source: This data is provided by the Federal Trade Commission, as of April 2015. Go to FTC.gov for more information.