Inquiries will remain on your credit reports for up to two years, and are considered either "soft" or "hard. A soft inquiry results when you or someone else views your credit report for non-lending purposes, such as a credit card preapproval. Soft inquiries don't affect your credit scores. A hard inquiry will appear as a result of applying for credit or debt.
Hard inquiries are visible to anyone who views your credit reports, and too many can lower your credit scores. As long as the information is accurate and verifiable, the credit reporting agencies will maintain it for the aforementioned timeframes. If, however, you have information on your report that you believe is incorrect, whether it's positive or negative, then you have the right to dispute the information and have it corrected or removed from your credit reports.
The most efficient way to file a dispute is to contact the credit reporting agencies directly. And while Equifax and TransUnion have their own processes for consumers to dispute their credit reports, Experian makes available three dispute methods : You can do it over the telephone, via U.
While active and positive accounts will remain on your credit reports indefinitely, most negative information must be removed as a matter of law. The legally mandated removal of negative information is automatic and free, meaning you do not have to remind any of the credit reporting agencies to delete negative information once it has reached the end of its allowed timeframe.
You also do not have to pay any person or company to cause the timely removal of negative information. If you do not know what's on your credit reports, you can access free copies at AnnualCreditReport. If after your review you believe some information is incorrect or fraudulent, you can file a dispute online. The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually.
However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well. Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it.
Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address. Disclaimer: The information posted to this blog was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in the TransUnion blog is provided for educational purposes only and does not constitute legal or financial advice.
You should consult your own attorney or financial adviser regarding your particular situation. For complete details of any product mentioned, visit transunion. This site is governed by the TransUnion Interactive privacy policy located here. There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3. As you use our website, we and our third-party providers collect your internet and other electronic network activity information IP address, device information, and information regarding your interaction with our website via cookies and other technologies.
We use this personal information to enhance user experience, analyze performance and traffic on our website, and to provide targeted advertising. To learn more about how we use cookies see our Privacy Notice. When it comes to credit reports, one of the most frequently asked questions is: How long does information stay on my Equifax credit report?
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 are some examples of "positive" information and how long it stays on your Equifax credit report :. Lastly, hard inquiries result when a potential lender, creditor or service provider requests a copy of your Equifax credit report in response to a request for credit or certain services. These can remain on your Equifax credit report for up to two years. We do not include the universe of companies or financial offers that may be available to you.
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Debt can remain on your credit reports for about seven years, and it typically has a negative impact on your credit scores.
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