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Under the Fair Credit Reporting Act, most negative information (such as late payments) may generally remain on a consumer's credit report for up to:
a.3 years
b.7 years
c.10 years
d.Indefinitely
Giải thích
FCRA generally allows most negative information to remain on a credit report for up to 7 years; Chapter 7 bankruptcies may remain up to 10 years. Three years is too short, ten years applies only to certain bankruptcies, and information cannot remain indefinitely. Time limits protect consumers from stale derogatory data.
Trích dẫn luật: FCRALuyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
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