What is on my credit report file

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Tax liens listed in county and state court records, Federal district bankruptcy records, and monetary judgments. This information comes from public records.


Specific information about each account, such as the credit limit, date opened, and the loan amount, monthly payment, balance, and the pattern of payments during the past few years. This information comes from companies that do business with you.

The names of those who have obtained or requested a copy of your credit report file. This information comes from the credit reporting agency. Read more on credit inquiries.

Your name, previous and current addresses, Social Security number, phone number, previous and current employers, and date of birth. The name of your spouse may be listed on your version of the credit report file, but it will not show up on the version that is provided to others. This information comes in part from your credit applications, so its accuracy depends on you clearly, consistently and completely filling out the forms every time you apply for credit.

Statements of dispute, which allow both creditors and consumers to report the factual history of an account. Statements of dispute are added after a consumer officially disputes the status of a account, the account has been reinvestigated, and the creditor and consumer can't agree about the status of the account. Both the creditor's and the consumer's statements of the status of the account will be listed on the credit report file.



How long does information stay on my credit report

Credit agencies stores information from public records and credit grantors, including bankruptcies, liens and judgments. Your missed payments and most types of public record items will remain on your credit report file for 7 years, with the exception of Chapter Seven, Eleven and Twelve bankruptcies, which remain for ten years, and tax liens that remain unpaid, which will remain on your credit file for up to fifteen years.

Active positive information may remain on your credit report file indefinitely.

Requests made for your credit history remain on the credit report for up to 2 years.

Read more on the seven year period here.



Who can view my credit report

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

Learn about How Bad Credit Can Affect You Job Search

Learn how a divorce will effect your credit by reading Credit Card Debt And Divorce

Another article on What Is Credit?

Although all information has been written in good faith and reviewed, please email us at help@consumerbadcreditguide.com to report any inaccuracies.