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Chapter 7

  • To Your Credit
  • You Will Know
  • What is in a Credit Report
  • Definitions
  • Negative Credit Report Information
  • Obtaining Your Credit Report
  • Obtaining Your Credit Report (continued)
  • Sample Credit Report
  • Credit Report Comparison
  • Sample Dispute Letter
  • Identity Theft Resources
  • True Statements about Credit Repair
  • Reminder Free Credit Report
  • In Conclusion


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    Negative Credit Report
    Information






    Type of negative
    information
    Maximum time on
    credit report
    General civil judgments 7 years from the date filed
    Tax liens 7 years from the date paid
    (if tax lion is not paid, it will
    remain on the file
    indefinitely.)
    Chapter 13 bankruptcies
    that have been dismissed
    or discharged
    7 years
    All other bankruptcies
    (such as Chapter 7)
    10 years