The companies who provide information about your credit must follow specific credit reporting rules, which are laid out in the federal Fair Credit Reporting Act. The FICO Score powered by Experian is considered external to your Experian credit report. Nov 13, 2015. Your Experian credit report shows closed accounts with no negative information attached for 10 years from the date they're reported as closed. As a result, positive credit information remains on your Experian credit report longer than most negative information.
Sometime opening several credit accounts in a short period of time represents a greater risk to lenders - especially if there isn't also an established credit history on record. This can be a sign of trying to overspend.
Line-by-line comparison of your credit reports from Equifax, Experian and TransUnion; Your FICO Score including an explanation of the actions you can take.