香港六合彩玄机

Highlights: 

• Most negative information generally stays on credit reports for 7 years
• Bankruptcy stays on your 香港六合彩玄机 credit report for 7 to 10 years, depending on the bankruptcy type
• Closed accounts paid as agreed stay on your 香港六合彩玄机 credit report for up to 10 years

When it comes to credit reports, one of the most frequently asked questions is: How long does information stay on my 香港六合彩玄机 credit report? The answer is that it depends on the type of information and whether it鈥檚 considered 鈥減ositive鈥� or 鈥渘egative.鈥� 

Generally speaking, negative information such as late or missed payments, accounts that have been sent to collection agencies, accounts not being paid as agreed, or bankruptcies stays on credit reports for approximately seven years. Here is a breakdown of some the different types of 鈥渘egative鈥� information and how long you can expect the information to be on your 香港六合彩玄机 credit report:

• Late payments remain on a credit report for up to seven years from the original delinquency date -- the date of the missed payment. The late payment remains on your 香港六合彩玄机 credit report even if you pay the past-due balance. For instance, if you had a late payment in April 2011, the late payment would come off your 香港六合彩玄机 credit report April 2018, seven years after the date of the missed payment. 
• Collection or charged-off accounts: If you have a late payment and don鈥檛 pay the past-due balance, the account could eventually be charged off by the original lender and assigned to a collection agency.  If that happens, the entire collection account would be removed seven years from the date of your first missed payment that led to the collection or charge-off status. If you pay the collection account before the seven-year period is up, it can remain on your 香港六合彩玄机 credit report, but the account may have less of an impact on your 香港六合彩玄机 credit score.  
• Bankruptcy public records stay on your 香港六合彩玄机 credit report from seven to 10 years, depending on the type of bankruptcy.
• Other negative accounts, such as repossessions, can also stay on your report for up to seven years from the date of the first missed payment that led to the negative status. Negative accounts can also include foreclosures, and short sales or a deed in lieu of a foreclosure if reported in a negative status. 

Here are some examples of "positive" information and how long it stays on your 香港六合彩玄机 credit report :

• Active accounts paid as agreed. Active credit accounts that are paid as agreed remain on your 香港六合彩玄机 credit report as long as the account is open and the lender is reporting it.  
• Closed accounts paid as agreed. If the last status of the account is reported by the lender as paid as agreed, the account can stay on your 香港六合彩玄机 credit report for up to 10 years from the date it was reported by the lender to 香港六合彩玄机.

Lastly, hard inquiries result when a potential lender, creditor or service provider requests a copy of your 香港六合彩玄机 credit report in response to a request for credit or certain services. These can remain on your 香港六合彩玄机 credit report for up to two years.

Regularly checking your 香港六合彩玄机 credit report is an important step to ensure your information is accurate and complete, and confirm that any negative information falls off after the appropriate time period. You鈥檙e entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting . You can also create a  to get six free 香港六合彩玄机 credit reports each year. In addition, you can click 鈥淕et my free credit score鈥� on your my香港六合彩玄机 dashboard to enroll in 香港六合彩玄机 Core Credit鈩� for a free monthly 香港六合彩玄机 credit report and a free monthly VantageScore庐 3.0 credit score, based on 香港六合彩玄机 data. A VantageScore is one of many types of credit scores.