Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.
Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.
Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.
Topics addressed on March 31, 2010:
Credit information from 1993 no longer in Experian’s credit files
Can I go back to 1992 or 1993 to get some information that was in my credit reports at that time?
No, you can’t. Data is not saved each and every day and a new report started the following day. Credit reports are continuously updated with new information, and old information is continuously deleted. The only report that is available is the one with the most current information.
Open accounts with a positive status are reported indefinitely. You would see those accounts simply by requesting a copy of your current credit report. The accounts would show the date they were opened, up to seven years of payment history, and the current payment status.
Payment information dating back to 1992 or 1993 is no longer in Experian’s systems.
Thanks for asking.
- The "Ask Experian" team