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An FFEF-approved, certified Credit Report Reviewer will review your credit report with you line by line to address every concern. This is NOT credit repair. This is important information that can help you make the necessary changes in your financial habits to improve your credit score over time. Call your FFEF counselor for more information about the CreditScore Review.
A lot of people are allowed to see your credit report—including every- one to whom you have applied for a loan or credit. So be careful when applying for credit.
When the companies you apply to check your report they can find out who else has been checking your report and determine what, when, and how you have been applying for credit. That means if you have been getting turned down, potential creditors will know.
If negative information is removed from your credit report as a result of a dispute letter you send, it may not be reinserted without notifying you within five days in writing. In addition, credit reporting agen- cies may not hold onto negative information for an excessive period of time. The FCRA spells out how long negative information, such as late payments, bankruptcies, tax liens, or judgments may stay on a consumer’s credit report—typically seven years from the date of the delinquency. The exceptions are bankruptcies (10 years) and tax liens (seven years from the time they are paid).
Reading Your Credit Report