## What is on my credit report and how do I see it?
Also asked: credit file, credit history, free report, annualcreditreport, check my credit

A credit report lists your credit accounts, payment history, balances, and public records such as bankruptcies.

You are entitled to a **free copy from each of the three nationwide bureaus** (Equifax, Experian, TransUnion) through the federally authorised site, AnnualCreditReport.com.

## How do I dispute an error on my credit report?
Also asked: wrong information, inaccurate, mistake on credit file, fix my credit report, remove an error

Dispute it with **both the credit bureau and the company that reported the information**. Do it in writing, explain what is wrong, and include copies of supporting documents.

The bureau must generally **investigate within 30 days** and tell you the result. Inaccurate or unverifiable information must be corrected or removed.

## How long does negative information stay on my credit report?
Also asked: how long do late payments last, when does bad credit fall off

Most negative items stay for **seven years**. Chapter 7 bankruptcy stays for **ten years**.

Accurate negative information cannot be removed early. Any service promising otherwise is selling you nothing.

## Who is allowed to see my credit report?
Also asked: who can check my credit, permissible purpose, employer credit check

Only parties with a **permissible purpose**: lenders considering an application, landlords, insurers, and employers.

An **employer must get your written permission** before pulling your report, and must tell you before taking adverse action based on it.

## What happens if I am denied credit because of my report?
Also asked: adverse action notice, turned down for a loan, denied a credit card

You must receive an **adverse action notice** naming the bureau whose report was used.

That entitles you to a **free copy of that report within 60 days**, so you can check whether the decision rested on an error.