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  2. How to Remove Derogatory Items From Your Credit Report - AOL

    www.aol.com/remove-derogatory-items-credit...

    Negative information typically lives on your credit report for seven years for old credit accounts. Bankruptcies last even longer, with a 10-year period before they fall off your credit report ...

  3. What is a credit privacy number? - AOL

    www.aol.com/finance/credit-privacy-number...

    This credit privacy number, also called a credit profile number, can be completely made up. But often, it is actually a stolen SSN. ... In reality, however, you cannot remove accurate negative ...

  4. Fair Credit Reporting Act - Wikipedia

    en.wikipedia.org/wiki/Fair_Credit_Reporting_Act

    If negative information is removed as a result of a consumer's dispute, it may not be reinserted without notifying the consumer in writing within five days; and, Remove negative information seven years after the date of first delinquency (except for bankruptcies (10 years) and tax liens (seven years from the time they are paid).

  5. Charge-off - Wikipedia

    en.wikipedia.org/wiki/Charge-off

    This may make obtaining any unsecured or even secured credit more difficult. If the charge-off has been paid in full, it will be listed on the credit report as "paid in full". If settled for less than the amount due, it will be listed as "settled". Even such a listing on a credit report can be negative. [4]

  6. What is a negative balance on your credit card? - AOL

    www.aol.com/finance/negative-balance-credit-card...

    A negative balance on a credit card is typically a positive sign, indicating that the consumer has overpaid for something or received a statement credit. Negative balances can result from refunds ...

  7. Credit history - Wikipedia

    en.wikipedia.org/wiki/Credit_history

    Adverse credit history, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history, and bad credit history, is a negative credit rating. A negative credit rating is often considered undesirable to lenders and other extenders of credit for the purposes of loaning money or capital. [9]

  8. Alternative data - Wikipedia

    en.wikipedia.org/wiki/Alternative_data

    Research suggests that the inclusion of alternative data in credit files could bring many of these individuals into the credit fold. [4] That is, non-financial positive payment information, such as rents or utility payments, may give credit agencies enough information to rate previously unscorable individuals known as the unbanked.

  9. 12 Reasons Why Employers Care About Your Credit - AOL

    www.aol.com/finance/12-reasons-why-employers...

    So if there’s negative information on your report, that doesn’t mean you won’t get the job. “Not everything that is negative on your credit report is necessarily a negative to you,” he said.