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Frequently Asked Questions

Below are some initial questions many clients have when they first contact The Consumer Law Group, P.C.. The questions below can address many initial concerns you may have. If you don't find the answers here, you may contact us for answers to more complex questions or questions specific to your case. The initial telephone consultation is free.

Q: How long can Consumer Reporting Agencies report unfavorable information on my credit report?

A: Generally, seven years. Adverse information cannot be reported after that, with certain exceptions: - bankruptcy information can be reported for ten years; - information reported because of an application for a job with a salary of more than $75,000.00 has no time limit; - information reported because of an application for more than $150,000.00 worth of credit or life insurance has no time limit; - information concerning a lawsuit or judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.