GET YOUR FREE CREDIT REPORT

By law, all consumers are entitled to a free copy of their credit report from each of the three credit bureaus once per year. Visit www.annualcreditreport.com to get your report for FREE. (This is for the credit report only and does not include the credit score.)

How long will the items be reported on my file?Delinquencies (30-180 days): A delinquency may remain on file for seven years from the date of the initial missed payment.Collection accounts: May remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked as a "paid collection" on the credit report.Charged-off accounts: This will remain seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charged-off account.

Closed accounts: Closed accounts are no longer available for further use and may or may not have a zero balance. Closed accounts with delinquencies remain for seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments.

Positive closed accounts continue to be reported for ten years from the closing date.Lost credit card: If there are no delinquencies, credit cards reported as lost will continue to be listed for two years from the date the creditor is contacted. . Delinquent payments that occurred before the card was lost are reported for seven years.

Bankruptcy: Chapters 7, 11, and 12 will remain on one's credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported for seven years from the filing date. Accounts included in bankruptcy will remain for seven years from the date reported as included in the bankruptcy.Judgments: Remain seven years from the date filed.City, county, state, and federal tax liens:

Unpaid tax liens remain for fifteen years from the filing date. A paid tax lien will remain on one's score for seven years from the date of payment.Inquiries: Most inquiries listed on one's credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will show only on a personal credit report pulled by you.

WE HOPE YOU FOUND THIS INFORMATION HELPFUL!