What personal information will I find on my credit file?
Author: Ron
• Thursday, February 26th, 2009

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.

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). 

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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Category: Credit Repair, Credit Scoring | Tags: , , , , , ,
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