Talk:Credit history/Archives/2016

inquiries--"hard" and "soft"
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?

history length

 * www.sapling.com/7815184/far-do-credit-reports-go
 * How Far Back Do Credit Reports Go?
 * Your current credit accounts and loans stay on your credit reports as long as you keep them open. The account usage history shows indefinitely unless you made some late payments. The negative information is deleted in seven years.


 * blog.equifax.com/credit/faq-how-long-does-information-stay-on-my-credit-report/
 * FAQ: How Long Does Information Stay on My Credit Report?
 * In general, negative information more than seven years old from the date of last activity (ten years for bankruptcies) must be removed from your file.

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)