William_DH wrote:Hello all,
Soon, I will be stepping into an arbitration between myself and Capital One over some credit card debt that I am currently unable to pay. As part of my preparations for this arbitration, I would like to assemble a document that shows my credit scores for the previous 10-15 years (my scores have always been pretty good up until the last 2-3 years). Of course, the sources of this information would need to be legally verifiable to stand as evidence of my responsible use of credit.
So, I'm wondering if this is even possible, and if so, what channels might I need to go through to collect this data?
Any help is greatly appreciated.
Unless you've printed them out over the years, highly doubtful that you'll be able to get anything beyond a year. On my recent Equfax report, it said that it was viewable until April/2015; my guess is, it would be similar across the board with the other CRAs. Keep in mind that a credit report is simply a snapshot of your credit at any given time. I think the CRAs would be hard pressed to find any viable reason to maintain any sort of record, accessible by consumers, beyond a year. They may keep internal files for, say 5 years or so, but 10-15 years? That would require a lot of storage, and a plausible reason to do so.
That said, you could call each of them and simply ask how long records are kept, and what is accessible by consumers, short of a court order to produce.