Resources,
information and helpful links relating
to Money issues of women.
|
.
.
|
| 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. |
|
.
.
|
| »
back
to main »
read more information
|
| ...
|
Publications
Quick
Clicks