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What's NOT on Credit Reports

What type of information is NOT on Credit Reports?

Medical Information
(unless you have consented)

Debts over 7 years old

Bankruptcy over 10 years
(except Chapter 13 Bankruptcy which remains on credit reports for 7 years)

Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

Exempted cases - The following types of information may stay on credit reports indefinitely:

1. A credit transaction involving an amount of $150,000 or more.
2. The underwriting of life insurance involving a face amount of $150,000 or more.
3. The employment of an individual at an annual salary of $75,000 or more.

Where does your Credit Report Info come from?
What's on your Credit Report?
Who can see your Credit Report?
What's Your Credit Score?
Errors on your Credit Report
Equifax Credit Report
Experian Credit Report

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