Free Credit Report Online Websites
IdentityTheft.org - Identity Theft Prevention and Survival
Identity Theft Prevention and Survival
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The Fair Credit Reporting Act (FCRA) limits the amount of time that negative information can be reported on a credit report. Some of the most common time frames are: • 7 years for late payments, collections, judgments, and chapter 13 (repayment) bankruptcies • 10 years for chapter 7 (liquidation) bankruptcies • 2 years
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AboutMyCredit.com Credit Report Credit Score Info
Credit reports are complied by an agency that collects credit histories, then distributes that data to credit grantors and the public. The credit reporting agency collects data from lenders, utility companies, collection agencies, landlords and court houses. When you apply for credit, a job, insurance or an apartment t