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Get Your 3 Scores and Reports Online Instantly Checking your Credit will NOT harm Your Scores! Credit reports include your name, current and former address, employment, credit and loan histories, inquiries, collection records and public records such as bankruptcy filings and tax liens. Each of your credit card and loan records shows your payment history going back 7 years along with other account details such as your credit limit. Credit card companies and lenders report your account information to credit bureaus electronically. There’s no fixed schedule for this reporting, but most companies send an update every 30 days. Other records are sent by the courts, tax agencies, and post office. Most information stays on your credit report for 7 years. Personal data (address, name, etc.) and positive records don’t have predetermined expiration terms. Negative records on your credit report have set expiration terms: Bankruptcy : Ten years for Chapter 7 filings, seven years for Chapter 13 filings and seven years for each record marked as Included in BK” Charge-offs : Seven years Closed accounts : Seven years if the account was paid late, no expiration date if the account was always paid on time Collection accounts : Seven years from the last late payment on the original account Inquiries : Two years Late payments : Seven years from the date of the late payment Judgments : Seven years from the filing date Tax liens : Fifteen or more years if left unpaid, seven years from the date the lien is paid The most important thing you can do to keep your credit healthy is to check your credit report every 6-12 months. Regular credit checks help you to spot inaccuracies and signs of identity theft before they cause major financial damage. Keeping your credit reports healthy and positive can help you save thousands on life’s big purchases. You can remove inaccurate, fraudulent, or expired information from your credit report by submitting a dispute request to the credit bureau. You’ll need to submit a separate letter for each credit bureau. The credit bureaus have 30 days to investigate your dispute. If they can confirm that the information is inaccurate, they’ll remove it and send you a letter with an updated report. If they can’t confirm the correction, they’ll send you a letter of explanation. Accurate information cannot be removed from your credit report before its set expiration date. Credit reports are used by creditors, lenders, insurers, employers, courts, landlords, cell phone companies, and utility companies. Under permissible purpose” laws these businesses have legal access to your credit files for the purpose of evaluating your finances and determining your rates. In most cases, your authorization is required before they can request your data. You can easily order your credit reports from all three credit bureaus online. Click on the link below and get your credit scores from all three bureaus in seconds! 3 Score USA Copyright © 2020 All Rights Reserved Home Terms of Use Privacy Policy Contact...