May
12
2010

Information is deleted automatically at the end of the seven year period

Dear Experian,

Do you have to request information be removed when it is time to be deleted, or will it just to fall off?

- MCC

 

Dear MCC,

You do not have to ask that information be removed from your credit history. Experian tracks the appropriate timeframes and automatically deletes the information.

Federal law specifies when certain information must be deleted, and some state laws add additional requirements. The information in your credit report is monitored to ensure the applicable regulations are met.

That doesn’t mean you shouldn’t check your credit report, though. You are an important part of the credit reporting process. You should review your credit report at least once a year to make sure all of your information is being reported correctly. You can get free copies from each of the national credit reporting companies once every 12 months at http://www.annualcreditreport.com/.

You might also consider subscribing to a credit monitoring service if you would like to review your credit report regularly, are concerned about fraud or are considering applying for new credit in the future. Services such as Experian’s TripleAdvantage provide unlimited access to your credit report, credit score and debt management tools and calculators.

By taking an active role in the credit reporting process, you can help us ensure your credit report is complete and accurate.

Thanks for asking.

- The “Ask Experian” team

Our policies for Ask Experian:

The information contained in Ask Experian is 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. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. 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 post.