Obsolete Credit Report Trade Line: WELLS LAW OFFICE (FCRA

Consumer Protection * FDCPA * FCRA
Identity Theft * Warranty Law

How Long Can Bad Info Remain on My Credit Report

Telephone: (937) 435-4000
Facsimile: (937) 435-4004
Email: AWells@OhioConsumerHelp.com

Outdated Information on Your Consumer Credit Report?

Contact the WELLS LAW OFFICE today for a free, no obligation legal consultation.

(937) 435-4000 or email us your legal questions.

Under federal law, negative information must be removed from your consumer credit report after a certain time elapses.

How Long Does Information Remain on Credit Reports?

Good information or information that doesn’t adversely affect your score ………………………………….….................…… Indefinitely
Criminal convictions ......………………………………...….. Indefinitely
Credit transaction exceeding $150,000 .....………….. Indefinitely
Employment with annual salary exceeding $75,000 ………............……………………….…………………………..... Indefinitely
Bankruptcies ...……………. 10 years after date of Entry of Relief
Lawsuits and Judgments ………..…………. 7 years after longer of Date of Entry or expiration of SOL
Records relating to Arrest .. Same as Lawsuits and Judgments
Paid tax liens …………...............………………….. 7 years after paid
Student loans ………………………………………………............… Varies
Accounts placed for Collection or Charged Off ...............................…………….…………… 7 ½ yrs from date of first delinquency
Everything else ………………..……………...............……………7 years

Contact consumer lawyer Amy Wells today if you have outdated information on your consumer credit report.

~Dedicated to Protecting Ohio Consumers~
Consumer Protection Laws * Fair Debt Collections * Fair Credit Reporting

Ohio consumer lawyer Amy Wells advises her clients to protect their good name by reviewing their credit report with each of the three major credit bureaus (Experian, Equifax and Trans Union) at least once per year. Consumers are entitled to a FREE copy of their credit report annually, and may obtain a copy online at www.annualcreditreport.com. Ms. Wells strongly suggests that you request your report(s) by mail.

Review the information on your report carefully, and if you find an error, or have questions about the contents of your report, contact Attorney Wells for a FREE CONSULTATION regarding steps that you may take to correct this problem. Poor credit ratings can prevent access to home loans, credit and even employment. If the credit reporting agencies fail to correct errors published on your credit report, you may also be entitled to monetary damages.

Do you have questions about your rights under the Fair Credit Reporting Act or other consumer laws? Contact us today. (937) 435-4000. Or email us now.

A growing number of Ohio consumers are victimized by the use of abusive, deceptive, and unfair collection practices by debt collectors. Abusive debt collection practices contribute to a high number of personal bankruptcies, marital instability, job loss, and invasion of individual privacy. Federal law prohibits unfair and deceptive practices by debt collectors, regardless of whether or not you owe any money.

Consumer lawyer Amy Wells offers consumers complimentary, no obligation consultations to explore their legal rights. If you have been sued by a debt collector or debt buyer, preserve all of your documents and contact us today.

If you have been harassed by debt collectors or believe that you are the victim of unfair collection practices, contact WELLS LAW OFFICE today for a FREE case review. Call (937) 435-4000 or email us now.