Personal information: Where you live and have
lived, employment history, phone numbers and
name variations.

Negative information: Public records like
bankruptcy, liens and court judgments; Credit
account with defaults or late payments stay on
your record for 7 years.
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Accounts in Good Standing: All current
installment accounts. Payment histories may
remain after an account closes.

Requests for Your Credit Report: Requests
that you or creditors who are monitoring
your credit.
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