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Frequently Asked Questions Q: How long will information stay in my credit report files? A: Information will remain on your credit report for: I. Open credit accounts, in good standing, will remain on your credit bureau report indefinitely II. Negative, derogatory or delinquent account information will remain on your credit report for seven years III. A Chapter 7 bankruptcy will remain on your credit report for ten years from the date of filing, regardless if it was dismissed or if it was discharged, a chapter 13 bankruptcy will remain on your credit report for seven years IV. Inquiries will remain on your credit report for up to two years. Q: What will I receive with my credit report purchase from the three credit bureaus? A: Three separate credit reports with the option of also receiving your credit score. Q: What if I have a question about my credit report after I purchased it from each credit bureau? A: Although, the three main credit bureaus are trying to service their clients more efficiently, their customer service is still lagging and more than likely you will only receive assistance from an automated answering service. But, as long as you are persistent, you should be able to reach a live representative for assistance. Q: How can I receive my free credit report? A: Click here. Additional Information For more in depth information, including sample letters, forms, tips and step-by-step detailed information, click on the free publications link below. Helpful Information Legal debt collection procedures Why should I verify my credit report? What does my credit report contain? |
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CCFC of America |
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Assisting Families Since 1996 |
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For Free Counseling Call Toll-Free 24 Hours/7 Days: 888-824-6191 |
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