This page is an archive of past discussions. Do not edit the contents of this page. If you wish to start a new discussion or revive an old one, please do so on the current talk page. |
From what I hear, there are two kinds of credit inquiries--"hard" and "soft", and they affect your credit history in different ways. Could someone more knowledgeable work this into the article?
Please add information to the article about how long various data is kept in credit histories, and to what extent the full history is supplied to consumers in their copies of the credit history. Although "negative" information must be removed after about seven years (in the US), various other data is kept and stored much longer -- which creates problems for consumers when they are supposed to answer questions about very obscure very old factoids in order to "prove" their identity. In some cases, this very old miscellaneous data may be from the LexisNexis database.- 71.174.180.38 ( talk) 15:00, 12 October 2016 (UTC)
This page is an archive of past discussions. Do not edit the contents of this page. If you wish to start a new discussion or revive an old one, please do so on the current talk page. |
From what I hear, there are two kinds of credit inquiries--"hard" and "soft", and they affect your credit history in different ways. Could someone more knowledgeable work this into the article?
Please add information to the article about how long various data is kept in credit histories, and to what extent the full history is supplied to consumers in their copies of the credit history. Although "negative" information must be removed after about seven years (in the US), various other data is kept and stored much longer -- which creates problems for consumers when they are supposed to answer questions about very obscure very old factoids in order to "prove" their identity. In some cases, this very old miscellaneous data may be from the LexisNexis database.- 71.174.180.38 ( talk) 15:00, 12 October 2016 (UTC)