When I pulled my credit report today I noticed that it only listed two years of payment history. Is that all that is seen when someone else requests my report?
2007-03-15 04:27:38 · 5 answers · asked by Michelle 2 in Business & Finance ➔ Credit
On general, the last two years of credit history will be shown on your report, however if a lender pulls your report, they will receive a detailed report that includes your entire history up to 7 years.
2007-03-15 04:38:23 · answer #1 · answered by peache68 3 · 0⤊ 0⤋
I just looked a copy of my credit report. It's lists 2 years (by month) and recaps the past 7 years by showing how many 30, 60, 90 day late payments I had w/in those 7 years.
2007-03-15 07:05:10 · answer #2 · answered by reandsmom77 6 · 0⤊ 0⤋
Credit history is based on the opening date of loans or credit cards. It's possible that another bureau may show more history. Some banks do not report to bureaus especially small local banks. That way they keep their customers captive so they have to keep coming back to their local banks.
2007-03-15 05:40:39 · answer #3 · answered by ? 7 · 0⤊ 0⤋
That depends.
Some people get the reports from different agencies.
SO if you pulled from equifax and someone pulled frm another of the big three they might see something slightly different.
But I do think that they will all be close
2007-03-15 04:39:03 · answer #4 · answered by kissmymiddlefinger 5 · 0⤊ 0⤋
yes it will.
also, some creditors will try and keep accounts on your credit report longer then they are allowed to by law.
they wont fix (remove the wrong ones) unless you make them; then they have to comply by federal law.
CREDIT REPORT INFO / REPAIRS
http://www.bankrate.com/brm/news/forms/credit-report-error-fix.asp
http://www.bankrate.com/brm/news/bankruptcy/20070313_credit_report_stains_a1.asp
http://www.bankrate.com/brm/news/forms/credit-report-error-fix.txt
MORE FINANCIAL INFO
http://bankrate.com/
also, i dont know if you pulled one report or one from each major credit reporting agency (by law, you are entitled to one free report per year, from each agency).
run them all; by contacting them directly (no third party company that 'does it for you').
Equifax
P.O. Box 740241
Atlanta, GA 30374
www.equifax.com
1-800-685-1111
_______________
Experian
P.O. Box 19719
Irvine, CA 92623
www.experian.com
1-888-397-3742
_______________
TransUnion
P.O. Box 2000
Chester, PA 19022
www.transunion.com
1-800-916-8800
2007-03-17 03:17:51 · answer #5 · answered by Yvette B yvetteb 6 · 0⤊ 0⤋