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EDDUNN1

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2 People Helped
Missing credit files
Hadley, Jun 21 08:11 (PDT):
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Edward, Jun 19 05:08 (PDT):
All 3 credit bureaus do not have positive credit histories on my reports from the 1970s and 1980s. There were several vehicle loans, bank loans, a VA mortgage loan, and finance company loans. I thought all positive histories were to stay on our reports for our lifetime. How is it possible that this credit history is not showing, and what, if anything, can I do about it? Thanks a lot. ED

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Top Contributor
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Sorry, too much data to retain.

Helpful to 0 out of 1 people

There are already too many errors on credit reports as it is without their having to retain records for a lifetime.  Too much can change over that period and history from 30-40 years ago has no bearing on our financial worthiness today.  That is why the Fair Credit Reporting Act was passed in 1970, to give reports of relevant information, and they specified that accounts will be reported for 7 years after they are closed (10 years in case of bankruptcy).  With the millions of people who currently have credit accounts that are reported to at least one (often two) of the 3 known credit reporting agencies, there are errors because that is a LOT of data to compile.

So, the best thing you can do is keep annually checking your credit report to make certain all information shown is correct, keep up your regular payments on accounts and don't be concerned about things from the distant past, because the past is just that --- past.

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