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Credit Debt — All About Credit, What You Should Know
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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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