I bought my 3 credit reports and I only had two negitive tradelines on all three, when I went to my credit union they pulled a credit report from Transunion and there was 3 more negitive tradelines on it from 9 years ago.Why did thoes tradelines not show up on the reports I bought?And I thought they were to "fall off" in 7 years.Thanks for your replies
it depends on what kind of report they pull. There are many many types of pulls. Mortgage, Revolving credit, Car loans, soft inquirey <insurance, cell phones etc> The more credit needed, the deeper they pull. Car loans are ususally hardest to get, mortgage pulls the most amount of history, but just because it shows up, doesnt mean it hurts you, theres a statute on how long it effects you, but it will forever show as having happened.
Source(s):
ex credit card, bank, and auto loan employee
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