Federal district bankruptcy records and state and county court records of tax liens and monetary judgments. This information comes from public records.
Specific information about each account, such as the date opened, credit limit or loan amount, balance, monthly payment and payment pattern during the past several years. This information comes
from companies that do business with you.
The names of those who have obtained a copy of your credit report. This information comes from the credit reporting agency. Read more on credit inquiries.
Your name, current and previous addresses, phone number, Social Security number, date of birth and current and previous employers. Your spouse's name may appear on your version of the credit
report, but it will not appear on the version that is provided to others. This information comes in part from your credit applications, so its accuracy depends on your filling out the forms
clearly, completely and consistently each time you apply for credit.
Statements of dispute, which allow both consumers and creditors to report the factual history of an account. Statements of dispute are added after a consumer officially disputes the status of
an account, the account has been reinvestigated, and the consumer and creditor cannot agree about the account status. Both the consumer's and creditor's statements of the account status will
appear on the credit report.
Credit agencies stores information from credit grantors and public records, including bankruptcies, judgments and liens. Missed payments and most public record items
remain on the credit report for seven years, with the exception of Chapter 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for up to 15 years.
Active positive information may remain on the report indefinitely.
Requests for your credit history remain on the credit report for up to two years.
Read more on the seven year period here.
Your credit record may not be given to anyone who does not have a legitimate business need for it. Stores to which you are applying for credit may examine your record;
curious neighbors may not. Prospective employers may examine your record with your permission.
You may also want to read on how credit scores are calculated.
Learn how to get your Free Credit Scores
Read about credit monitoring Credit Monitoring
Learn how a divorce will effect your credit by reading Credit Card Debt And Divorce