December 31, 2009

There are certain pieces of personal information that can’t be included in your credit report:

* Medical information (unless you give your consent).
* Notice of bankruptcy (Chapter 11) that is more than 10 years old.
* Outdated information may not be reported. In most cases, a Credit Reporting Agency (CRA)may not report negative information that is more than seven years old.
* Age, marital status, or race (if the request is from a current or prospective employer).

Certain kinds of information may remain on your report indefinitely. If, for example, you are applying for credit, insurance or employment above the dollar limits noted below, information can be reported beyond the usual seven to ten year deadlines.

* A credit transaction involving, or which may be expected to involve, an amount of $150,000 or more.
* Information about a job with a salary of more than $75,000.
* An application for credit or life insurance for more than $150,000.
* Tax liens that are not paid.