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Negative Information

Because your credit report is meant to be a thorough and complete portrait of you credit history, negative information can sometimes appear on it. This negative information may be from current or past accounts.

Latest Articles

What Derogatory Means on Your Credit Report

What does “derogatory” mean when it shows up on my credit reports? - JUA

How long does it take information to come off your report?

The length of time that information stays on your credit report depends on the...

How long will my medical bills remain on my credit report?

I paid off a $47 medical bill I didn’t know about in...

Can a Paid Charged Off Account be Removed from the Report?

What is needed to remove a charge off from your credit report...

How long can negative items stay on your credit report?

Here is a list of how long the most common items remain in a...

Potentially Negative Items Listed on Credit Report

How can I get my credit score up? It seems to keep going...

What Does “Key Derogatory” Mean?

What does “KD” mean, and how long does it stay on your record...

What “Derogatory” Means in a Credit Report

I have something showing on my credit report called derogatory. Can you please...

The Meaning of “Key Derogatory” as a Credit Score Factor

What does "Key Derogatory” mean? - RTC

Types of Negative Information on Credit Reports:

  • Late payments
  • Non-payments
  • Mortgage, auto, or other loan defaults
  • Bankruptcies
  • Tax liens
  • Civil judgments

Paying off a debt or bringing an account current doesn’t automatically remove the negative information from your credit report. Paying your bills on time every month is the best way to manage your credit history and score.