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A: Frequently, adverse credit info stays on your credit report for 7 yrs. In case you have filed for private individual bankruptcy, that simple fact stays with your report for 10 yrs.

Moreover, lenders may well use a credit rating report to set the terms of credit rating they supply you. If a lender features you conditions considerably less favorable (for instance, a higher rate) when compared to the terms available to buyers with improved credit histories determined by the knowledge as part of your credit report, the lender may perhaps offer you a observe with information about the credit rating bureau that presented the credit report utilized to make the choice.

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