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Topics addressed on January 9, 2008:
Getting four years of credit history for a new employer
I have been offered a very desirable job. However, they are asking for my credit report that goes back four years. They just want to see whether or not I have any evictions or bankruptcies reported. How do I get that from Experian?
All you have to do to get that information is request a copy of your personal credit report. The age of your report depends on when you first began using credit and when the accounts were first reported to Experian.
Bankruptcies are reported for as long as 10 years from the filing date depending on the chapter filed. Chapter 13 bankruptcy remains for seven years and Chapter 7 remains for 10 years. The latter stays on your credit report longer because you do not repay any of the debt.
An eviction would not necessarily be reported to a credit reporting company. A civil court judgment would be the most likely way that an eviction would become part of your credit report. Civil judgments remain seven years from the filing date.
Other negative information, like late credit card or loan payments, remain on your credit report for seven years from the original delinquency date, which is the date the late payment was first reported.
Positive, open accounts remain indefinitely, so by simply getting your personal report you may have more than the past four years of your credit history for your new employer.
Congratulations on your new job and thanks for asking.
- The "Ask Experian" team