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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. 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).

  4. Can you pay to remove negative items from your credit report?

    www.aol.com/finance/pay-remove-negative-items...

    The negative mark will disappear from your credit report when it expires. Collection accounts are removed from your credit report after seven years, whether the debt was paid or not.

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

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

    You can do this because a negative balance is similar to a statement credit. If you’d prefer, you can also request a check, money order or even cash in the amount of the negative balance.

  6. Fair and Accurate Credit Transactions Act - Wikipedia

    en.wikipedia.org/wiki/Fair_and_Accurate_Credit...

    Fair and Accurate Credit Transactions Act; Other short titles: Financial Literacy and Education Improvement Act: Long title: An Act to amend the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes.

  7. Innovis - Wikipedia

    en.wikipedia.org/wiki/Innovis

    Based in Columbus, Ohio, the company offers services like fraud protection, credit information, identity verification, and receivables management. [ 1 ] [ 2 ] Innovis is a subsidiary of CBC Companies, but companies that report debt activity, such as Verizon , refer to the company by the name "Innovis", or simply state that they report to "all ...

  8. 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.

  9. 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.