<meta property="cq:wcmmode" content="disabled"/><meta property="articleFeedData" content="{"baseUrl":"/articles/topics/credit-report","bottomArticles":[{"date":"Thu Oct 24 00:00:00 PDT 2019","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/03/104377_COC_45_103110_What_is_a_Credit_Bureau.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/sean-p-egen/jcr:content/data/master","previewDescription":"If you\u2019ve had any experience with credit, you\u2019ve probably heard the term \u201ccredit bureau.\u201d It may have been when a potential lender informed you they were going to pull your credit report from a credit bureau, or you heard that it\u2019s a good idea to check your credit reports with the credit bureaus at least once a year, or maybe you watched a news story about one of the credit bureaus experiencing a data breach.","title":"What is a Credit Bureau?","pagePath":"/articles/what-is-a-credit-bureau","imageAlt":"Explaining what a credit bureau is and what it does","tags":["credit-one-central-topics:credit-report"]},{"date":"Thu Sep 19 11:13:54 PDT 2019","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/03/104429 COC_20_Hard Inquiries Vs Soft Inquiries.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/sean-p-egen/jcr:content/data/master","previewDescription":"When a potential creditor looks at your credit reports to help them make a lending decision, it is considered an inquiry. But how they look at it\u2014with a \u201chard inquiry\u201d or \u201csoft inquiry\u201d (aka \u201chard pull,\u201d \u201csoft pull\u201d)\u2014could have an effect on your credit score.","title":"What is a Hard Inquiry? What is a Soft Inquiry? [Infographic]","pagePath":"/articles/what-is-a-hard-inquiry-what-is-a-soft-inquiry-infographic","imageAlt":"Infographic of hard vs soft inquiries","tags":["credit-one-central-topics:credit-report","credit-one-central-topics:infographic"]},{"date":"Mon Apr 08 11:24:00 PDT 2019","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/03/104429 COC_5_102166_How Long.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/sean-p-egen/jcr:content/data/master","previewDescription":"Nothing lasts forever, but the information in your credit reports\u2014both good and bad\u2014can stick around for a long time. Just how long? It can vary from state to state and differ in each individual credit report, but here are some basic guidelines.","title":"How Long Does Stuff Stay In Credit Reports? [Infographic]","pagePath":"/articles/how-long-does-stuff-stay-in-credit-reports-infographic","imageAlt":"How Long Information Stays in Credit Reports [Infographic]","tags":["credit-one-central-topics:credit-report","credit-one-central-topics:infographic"]}],"authorArticlesMobile":[],"topArticles":[{"date":"Thu Apr 01 15:25:00 PDT 2021","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/07/104788 Who Can and Can't Report on Credit Reports.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/sean-p-egen/jcr:content/data/master","previewDescription":"A credit report is a bit like an academic report card, only instead of reporting how one is doing in school, it conveys how one\u2019s doing managing their credit. It does this by reporting account information supplied by creditors, similar to the way instructors supply grades that represent how well a student is doing in their courses. But instead of assigning a letter grade or numeric grade point, creditors report account activity to the consumer credit bureaus (the agencies that produce credit reports). Information such as payment history, how long an account has been open, credit limit, account balances, account opening and closure dates, and more. ","title":"Who Reports to Credit Bureaus?","pagePath":"/articles/who-reports-to-credit-bureaus","imageAlt":"Credit Report Data Furnishers","tags":["financial_education","credit-one-central-topics:credit-card","credit_basics","credit-one-central-topics:credit-report"]},{"date":"Fri Jan 29 00:00:00 PST 2021","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2025/05/250264_DA_RefreshLearnAboutCredit_SEOA_FINAL.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/jorge-labrador/jcr:content/data/master","previewDescription":"If you\u2019ve ever tracked your credit score, you may be curious about when it\u2019s updated. Learn when and how your credit changes over time.","title":"Learn More About Credit Score Updates","pagePath":"/articles/when-and-how-often-do-credit-scores-update","imageAlt":"Two hands rest on a laptop\u2019s keyboard behind an overlay of the word \u201cUpdating\u201d and a progress bar. Perhaps this person is watching as their credit score updates on the screen.","tags":["credit-one-central-topics:credit-report","credit-one-central-topics:credit-score"]},{"date":"Sat Feb 15 09:13:00 PST 2020","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/03/104428 COC_34_Intro.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/sean-p-egen/jcr:content/data/master","previewDescription":"Your credit reports contain useful information that paints a picture of your \u201ccreditworthiness.\u201d But, like any type of report, credit reports don\u2019t tell a reader the complete story about you, your life, or how you\u2019re living it. For that, they\u2019ll have to read your autobiography.","title":"Will This Appear In My Credit Report? [Quiz]","pagePath":"/articles/will-this-be-in-my-credit-report-quiz","imageAlt":"Things That Should Appear In Your Credit Reports","tags":["credit-one-central-topics:credit-report"]}],"lastPageNumberMobile":0,"currentPageNumber":5,"lastPageNumber":6,"articlesTopics":["infographic","credit report","credit score","credit card"],"currentPageNumberMobile":5}"/>
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![How Long Information Stays in Credit Reports [Infographic]](/content/dam/cob-corp-acquisition/images/articles/2021/03/104429 COC_5_102166_How Long.jpg?imwidth=360)