You can get a free credit report from each of the three major credit reporting agencies — TransUnion, Experian and Equifax — every year. Request your free copy at www.annualcreditreport.com.
Derogatory records are accounts reported to credit bureaus, which negatively affect your credit score and can stay on your report for up to 10 years. They can result from a past due or delinquent account, repossession, collection, bankruptcy, account charge-off, tax lien or civil judgement.
Credit bureaus remove negative information from reports after 7 to 10 years.
A delinquent account is one that's reported to TransUnion as 30 or more days past due, while derogatory accounts are reported to TransUnion as negatively affecting your credit score. If you'd like specific info about any of your delinquent or derogatory accounts, such as lenders reporting them, you can request a free annual copy of your credit report from www.annualcreditreport.com. Since Chase Credit Journey is powered by TransUnion, we recommend pulling your TransUnion credit report to view the detailed data.
If your Chase Credit Journey information differs from what you're seeing elsewhere, it could be due to timing or a difference in score type. A few things to consider:
• Recent activity might not be represented in your VantageScore® credit score yet. If open an account or pay down a balance, it can take time for TransUnion to get that information and include it in your score calculation.
• There are other scoring models and providers in the market. Your Chase Credit Journey uses the VantageScore® 3.0 credit score by TransUnion.
• Since your information and score calculations can vary between credit bureaus, you could have different scores at each of the three credit reporting agencies — TransUnion, Experian and Equifax.
• If your information still doesn't look right, you can request a copy of your detailed credit report from www.annualcreditreport.com. to take a closer look. You can get a free credit report from each of the three major credit reporting agencies — TransUnion, Experian and Equifax — every year.