How Long Will Foreclosures, Judgments & Negative Information Stay On A Credit Report?
Seven Years For Negative Credit
The timelines for reporting negative credit are determined by the Fair Credit Reporting Act (FCRA). This act requires that most negative credit items (judgments, foreclosures, late pays etc.) be deleted from your credit bureau file within seven years, except for a Chapter 7 bankruptcy which can be reported for up to ten years. However, the creditor or the credit bureau can choose to have the negative credit information deleted whenever they please.
Two Years For Inquiries
Inquiries may remain on the credit report for up to two years.
Lexington Law - Experts In Judgment, Foreclosure & Bankruptcy Repair
If you are plagued with a foreclosure, a bankruptcy, or simply late payments, the experts at Lexington Law can simplify your life. Put your credit problems into the hands of experts. For as little as $39 a month, they can repair your credit history, which will result in lower interest rates and ultimately lower payments. You have nothing to lose, if they are not successful in removing disputed items from your credit report you will be given a refund, no questions asked. They have helped over 300,000 people since 1991!
Learn More: Can I See My Credit Report
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Why Use the Professional Team at Lexington Law...
Individuals can certainly repair their credit without the help of anyone; however, it can be a long complicated process. Be smart - Let experts work for you. Lexington Law has a team of credit repair experts that can turn your credit around very quickly. For as little as $39 a month, you can have legal experts correcting your credit scores! The substantial gain in saved interest and fees will more than pay for the small cost - it is smart to put credit repair into the hands of professionals.
Why not relax and let the experts at Lexington Law do what they do best! Lexington Law is so certain they can repair your credit they provide a refund if results are not met.
No Risk - Refund Policy
If Lexington Law doesn't remove enough disputed items from your credit, you will be given a refund... no questions asked. Lean more about the no-risk refund policy today!
Benefits Of Higher Credit Scores
▪ Save Thousands In Interest
▪ Lowers House Payments
▪ Make Car Payments Affordable
▪ Make Saving Money Possible
▪ Provide Resources For Children
▪ Reduce Family Stress
