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A: Commonly, detrimental credit info stays with your credit history report for 7 decades. For those who have submitted for personal bankruptcy, that simple fact stays on your report for 10 years.

Moreover, lenders could use a credit score report to established the conditions of credit score they supply you. If a lender delivers you phrases less favorable (for example, a higher price) compared to terms provided to people with much better credit rating histories based on the knowledge inside your credit history report, the lender may possibly give you a detect with information about the credit rating bureau that supplied the credit report utilized to make the choice.

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