How long does information about me stay on my consumer report?
- Listed: August 10, 2022 2:39 pm
- Expires: 99350 days, 21 hours
Description
How long does information about me stay on my consumer report?
Consumer reporting agencies are required by law to remove most negative information about your account after seven years, which generally means that if you find an item in their report that is older than seven years you should dispute that information.
Note that consumer reporting agencies are not required to remove information about bankruptcies for ten years and that civil suits, civil judgments, and records of arrest can stay on for seven years or until the governing statute of limitations has expired, whichever is the longer period.
Consumer reporting agencies can always choose to delete data earlier than required by law.
Disclaimer: This site/app is not affiliated with any Government or public agencies. You may find this and additional information from US Consumer Financial Protection Bureau. This app is not affiliated with above agency or US government. We have provided this app for easy access for freely available information from Consumer Financial Protection Bureau, a U.S. government agency. We assume no legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process described or depicted on this site/app.
153 total views, 2 today
Listing ID: 90362f3c2b2cd89a
- Listed by: Editor
- Member Since: July 24, 2018
Other items listed by Editor
- Are there any kinds of disputes that creditors or other institutions would not have to investigate if I were to file a dispute directly with them?
- What happens when I tell a company it sent inaccurate information to a credit reporting company?
- My payment was due on a Sunday and I understood that meant I had until the next business day (Monday) to pay. I went online to my card issuer’s website and made a payment on Monday, but I was charged a late fee. Can they do that?
- Can a debt collector contact me through social media?
- Do joint credit card accounts with my spouse affect my credit score?