In Understanding Your Credit Reports, you stated negative entries should only remain on your credit report for 7 years from “date of last activity” (or 10 years, in the case of a bankruptcy). What exactly is the meaning of “date of last activity”? Is there a legal definition for this? If an account goes from onecollection agency to another to another does all that time count as “date of last activity”?

What should a bankruptcy look like on a credit report? I have some entries, which show as “included in a bankruptcy”, and others, which were also included in the bankruptcy, that show notations for 30/60/90 days late and account balances.

I’ve researched one of the Creditors listed on my report and they don’t seem to exist. Is this good or bad?

Do I need to send a separate letter to each Credit Reporting Agency?

The Credit Bureaus provided a form for disputing entries with my credit report. Should I use it?