subject: Repairing Credit - Some Items On Your Credit Report Might Surprise You [print this page] Overdue or defaulted government guaranteed or insured student loans can be listed in your credit report for more than seven years.
Most credit reporting agencies routinely remove most negative items on your credit report within seven to ten years. The exceptions include when you apply for more than $150,000. of credit or life insurance, or apply for a job offering a salary of greater than $75,000.
Inaccurate, incomplete, and out-of-date information often finds its way onto credit reports. It is your responsibility to hold the credit agencies accountable for fixing any errors or omissions you find on your report. Conduct your own annual credit check by requesting a free yearly credit report from each of the three credit reporting agencies. Check each report for accuracy and completeness. Ask that any errors be corrected. You have the right to have mistakes and omissions fixed in a timely manner.
Repairing Credit - Some Items On Your Credit Report Might Surprise You
