What information about you is in a credit report?
Here’s what can go in a credit report: Identity Includes your name, address, marital status, your date of birth, number of dependents, previous address, and Social Security number. Employment Includes your present position, length of employment, income and previous job. Credit History Consists of your credit experiences with specific credit grantors. Public Record Includes civil suits and judgments, bankruptcy records, or other legal proceedings recorded by a court. Under the federal Fair Credit Reporting Act, consumer reporting agencies may keep correct and verifiable information in your file for seven years, and ten years in the case of bankruptcy. There are a few exceptions: if you apply for a job which pays more than $75,000 per year, the reporting agency may provide all the information it has, including items over seven years old.
Here’s what can go in a credit report: Identity Includes your name, address, marital status, your date of birth, number of dependents, previous address, and Social Security number. Employment Includes your present position, length of employment, income and previous job. Credit History Consists of your credit experiences with specific credit grantors. Public Record Includes civil suits and judgments, bankruptcy records, or other legal proceedings recorded by a court. Under the federal Fair Credit Reporting Act, consumer reporting agencies may keep correct and verifiable information in your file for seven years, and ten years in the case of bankruptcy.
Related Questions
- What is the Advanced Credit Repair definition of "clearing up" a consumers credit report or improving their credit profile?
- Can Advanced Credit Repair demand that information be removed from a credit report which I have gotten from a merchant?
- What is an Investigative Consumer Report and how does it differ from a credit report?
