Directly behind the bale of stamps, is a crate containing a statue of William Pitt, Grenville's archenemy in the Stamp Act controversy.
You have the right to dispute mistakes on your reports under a federal law, the Fair Credit Reporting Act. If you ask for an investigation, the CRA or creditor who receives your dispute must investigate and respond within 30 days in most cases.
The credit reporting time limit is seven years for most negative information. Certain types of negative information will stay on your credit report for longer than that. Delinquency information like late credit card payments and collections can be reported for seven years from the date of the delinquency. Charge-offs, seven years + 180 days from the date reported to the credit bureau, usually this is simply seven years from the date of the charge off.