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Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.

They also get information about you from public records, such as property or court records.

A: No, credit bureaus do not make credit decisions.

They provide credit reports to lenders who decide whether to grant you credit.

To opt-out, call 888-5-OPTOUT (888-567-8688) or visit

You will need to provide certain information in order to opt-out, such as your name, address, Social Security number, and date of birth.

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