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Credit Report FAQ


Public Records

The information in this section comes from county, state, and federal courts and includes civil judgements, state tax liens, federal tax liens and bankruptcies. Public records remain on your credit report for 7-10 years, depending on the type of record:

Length of Time Public Record Appear on Report:
Civil Judgements: 7 years
Chapter 13 Bankruptcy
Dismissal   or Discharges:
7 years
Chapter 13 Bankruptcy Filings: 10 years
Bankrupticies Voluntarily Dismissed: 7 years
Paid Tax Liens:: 7 years from date paid
Unpaid Tax Liens: Indefinite
Chapter 7, 11, or 12 Bankrupties: 10 years
Public Record Details
Type of Public Record: Type of public record; civil judgements, state tax liens, federal tax liens and bankruptcies.
Amount: Dollar amount of the lien or judgement.
Plaintiff's Name: Name of the person or company who filed the suit in a legal judgement.
Status Date: Last date the public record was changed.
Reference Number: Identification number of the public record used by the court.

Credit Inquiries
This section contains the names of potential creditors who obtained a copy of your credit report. A potential creditor is anyone that you authorize to check your credit (for example, you go to a car dealership and sign a form authorizing them to see your credit history).

Report Inquiry Details
Company Name: Name of the company that requested your credit record. The name, at times, is abbreviated by the company.
Company Type: Describes, as closely as possible, the company's type of business.
Date of Inquiry: Date the company made the inquiry.

Account History
This section contains specific information on each account you've opened in the past. Positive information about your accounts remains on your report indefinitely.

Account Details
Account Number: Account number with the creditor. For your security and privacy we've replaced the last 4 digits of the account number with ****.
Type of Business: Describes the creditor's type of business. Common types are Bank Credit Cards, Mortgage Companies, Personal Loan Companies or Credit Unions.
Type of Account: Describes the type of account. Common types are Revolving, Installment, or Collection.
Date Opened: Date the account was opened.
Balance Date: Date the account balance was reported.
Balance: Current account balance as of the balance date. NOTE - Recent changes to your account might still be in process at your creditor or the credit bureau.
Credit Limit:

For revolving accounts - indicates the maximum amount of credit available.

For installment accounts - indicates the balance of the account.

Monthly Payment: Monthly payment on this account.
Past Due: Reports the amount past due for the account. NOTE - Recent changes to your account might still be in process at your creditor or the credit bureau.
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