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Negative records such as late payments and collection accounts will remain on your credit report for 7-10 years. You can keep your future finances healthy by spotting issues early. A Consumer may request his or her own credit report at any time. You may not request a credit report for another consumer. Access to a consumer's credit information is regulated by the Fair Credit Reporting Act ("FCRA"), and administered by the Federal Trade Commission. Obtaining a credit report under false pretenses, or improper use of a credit report is a violation of federal law.

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