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A credit report is a statement that outlines your credit history. Credit reports are used by lenders to decide someone's financial trustworthiness.
Various kinds of financial information can be included on a credit report, including:
The resources below have more information about what can be included on a credit report.
Generally, Texas and federal law state that most negative information can stay on your credit report for up to seven years. However, some information, like certain types of bankruptcies, may stay on a credit report for up to 10 years. Some examples include:
See Section 20.05 of the Texas Business & Commerce Code and 15 U.S. Code Section 1691c for more details.
Positive information, such as paying off a loan, is not required to be removed from a credit report. This information will generally stay on your report as long as the account is open and in good standing.
The websites below provide more information about where you can go to request your credit report.
Rebuilding your credit can help improve your credit report and raise your credit score. Find information on how to rebuild your credit.
Many of the e-books available through the State Law Library contain forms or drafting guides. Below are some e-book titles that may help you with your research on credit reports.
Below are some print books that may provide further guidance. If you can't visit the Texas State Law Library in Austin, these books might be available at a law library near you or a public library near you.