HOPE USA. Inc. • 3578 Centre Circle • Fort Mill, SC 29715 • Fax: 704-353-7221
Call Now! 704-499-9696
Experienced. Reliable. Trusted.
Many of our clients come to us discouraged and hopeless. Trying to fix your own past credit problems can be difficult. Many credit repair programs are scams and even the legitimate ones take a long time and can make your credit worse before it gets better. Our program is designed to educate and empower you to take control of your financial future!
Fast Results...
Many of our clients are ready to buy a home within a few months. We have an extensive network of real estate professionals, lenders, and investors who can help you find the home of your dreams!
• Thursday, February 26th, 2009
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 What personal information will I
find on my credit file?
Your credit
report can include:
-your name
-your spouse’s name
-present and past
address
-present and past employment
-your Social Security Number
-your date of birth or year of birth
Typically, this is personal information
you supply when you apply for credit.
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What is considered a public
record?
Concerning credit,
bankruptcies, court judgments, and tax liens are most commonly [items] found in
public records and may appear in your credit file. Public records are open to
anyone who requests to see them. |
How long can information stay on my credit
file?
Generally, information can remain in your credit file for 7 years from the date of last activity (or date
document was filed with the courts). |
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Can information
report longer than 7 years on my credit file?
Yes, there are some exceptions to the 7 year timeframe:
- Bankruptcy Chapters 7,11, & 12 can remain in your file for
10 years from the date filed.
- Open charge accounts can remain in your file indefinitely (or 7 years
from the date the account is closed).
- Accounts notated “as agreed/closed” can remain
in your file for 10 years, but should not negatively affect your
credit score.
HOPE educates and guides our clients through the maze of questions that effects our credit. If you would like to know more please call us at 704-503-3669. We are waiting on your call!
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