Companies with which you have a credit account for account monitoring purposes.Employers and potential employers (but only with your consent).Accessing the Credit Report: Who Can See What?Īnyone with a legitimate business need can gain access to your credit history, including: An application for credit or life insurance for more than $150,000.ģ.Information about a job with a salary of more than $75,000.A credit transaction involving, or which may be expected to involve, an amount of $150,000 or more.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 year deadline: Certain kinds of information may remain on your report indefinitely. This allows reasonable time for insurance claims to be processed.Īfter seven years, negative information (except for bankruptcies) in your report should automatically be deleted. Medical debts that are less than 180 days old.Unpaid parking and traffic tickets and library fines.As a practical matter, nearly all civil judgments do not contain this identifying information. Civil judgments that don't contain minimum identifying information (name, address and either Social Security number or date of birth) from credit reports.In addition, the CRAs have agreed to exclude certain additional items from your credit report: Age, marital status, or race (if the request is from a current or prospective employer).Debts (including delinquent child support payments) that are more than seven years old.Notice of bankruptcy (Chapter 11) that is more than 10 years old.
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