Is There Anything That Cannot Be In My Credit Report? How Long Can Information Be Reported? - CREDIT REPORT

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CREDIT REPORT: Is there anything that cannot be in my credit report? How long can information be reported?


Certain pieces of personal information cannot be in your credit report:
  • Medical information (unless you give your consent).
  • Bankruptcy remains on your credit report for ten years. The only exception is a Chapter 13 bankruptcy that requires you to make repayments. It remains on your report for seven years.
  • Debts (including delinquent child support payments) that are more than seven years old.
  • For California residents, records of arrest, information, or misdemeanor complaints must be removed after seven years. But under federal law, records of criminal convictions may remain on a credit report indefinitely.
  • Age, marital status, or race (if the request is from a current or prospective employer).
  • Certain kinds of information may remain on your report indefinitely. If, for example, you are applying for credit, insurance or employment above the dollar limits noted below, information can be reported beyond the usual seven to ten year deadlines.

    A credit transaction involving, or which may be expected to involve, an amount of $150,000 or more.
  • Information about a job with a salary of more than $75,000.
  • An application for credit or life insurance for more than $150,000.
  • Tax liens that are not paid.

    For additional information on the length of time that negative information can remain on your credit report, read the “Ask Max” section of the Experian web site, www.experian.com/ask_max/deleting_information.html.

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