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For example: A: There are three major credit bureaus–Equifax, Experian, and Trans Union–that gather and maintain the information about you that is included in your credit report.

The credit bureaus then provide this information in the form of a credit report to companies or persons that request it, such as lenders from whom you are seeking credit.

A: Credit bureaus get information from your creditors, such as a bank, credit card issuer, or auto finance company.

They provide credit reports to lenders who decide whether to grant you credit.Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.Information about criminal convictions may stay on your credit report indefinitely.A: If you are denied credit, insurance, or employment–or some other adverse action is taken against you, such as lowering your credit limit on credit card account–because of information in your credit report, the lender, insurance company, or employer must notify you and provide you with the name, address, and phone number of the credit bureau that provided the credit report used to make the decision.You can get a free credit report from this credit bureau if you request it within sixty days after receiving the notice.A: Generally, negative credit information stays on your credit report for seven years.If you have filed for personal bankruptcy, that fact stays on your report for ten years.However, if you wish to detect any errors and monitor changes in your credit profile over time, you may wish to review a single credit report every four months.A: Because credit reports contain sensitive personal information, access to them is limited.To opt-out, call 888-5-OPTOUT (888-567-8688) or visit You will need to provide certain information in order to opt-out, such as your name, address, Social Security number, and date of birth.

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