What's on a credit report?
How Long Does Information Stay on a Credit Report?
The key is the "Date of Last Activity" (DLA.) The type of account is a factor also. Seven years from the DLA is the limit for most items other than a Chapter 7 bankruptcy (BK.) ![]()
Basic credit score improvement strategies
FICO Score Consumer Mortgage Model
Basic credit score improvement strategies
Trended Data Score Model This a newer method of determining your creditworthiness. How it impacts the financial services market is yet to be determined. It is a growing factor in mortgages. FHA, VA and other programs are using trended data now. •Pay credit card balances in full every month •Do everything required for FICO score model improvement
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