Credit Report Information: Guide to Credit Reports. There are timeframes for how long different types of information may remain on your credit report. Depending on the type of information, there are different timeframes for how long an item may stay on your credit report.
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Check Your Credit Report for Free: No Credit Card Required. Why Your Credit Report Matters. First, your credit score is based on your credit report. Any incorrect information could reduce your credit score.
A lower credit score can cause your interest rates to rise or you could be denied credit. Your credit report also lists past addresses and employers.
Credit report inaccuracies could slow loan processing. A credit report is often the first place people detect identity theft. By regularly monitoring your credit, you can reduce the damage from credit fraud.