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Texas Credit Inquiry
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Multi-State
Control #:
US-135-AZ
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How to fill out Credit Inquiry?
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FAQ
Background checks in Texas are subject to the Fair Credit Reporting Act Laws. Employers are generally only able to look back into your credit and criminal history 7 years, unless you'll be making over $75,000 a year.
You can obtain your credit score from any one of the three national consumer reporting companies. They are allowed to charge a reasonable fee, typically around $8, for the score.
You can start by going to the three major credit bureaus, Equifax, Experian, and TransUnion first by logging on to AnnualCreditReport.com to check your report for free. Each agency gives you access to your report once every 12 months. 4 You'll have to pay them if you want your credit score.
We'll get into the nitty-gritty soon, but here's a quick answermost negative information will remain on your credit reports for seven years. The one major exception is bankruptcies. Those can stay on your credit reports for 10 years, depending on the type of bankruptcy you file.
Government agenciesA government agency with a legitimate reason to pull your credit may do so. It may be looking for contact information; determining if you potentially have unclaimed income or assets when you apply for public assistance; or determining how much you can afford in child support and more.
Highlights: Most negative information generally stays on credit reports for 7 years. Bankruptcy stays on your Equifax credit report for 7 to 10 years, depending on the bankruptcy type. Closed accounts paid as agreed stay on your Equifax credit report for up to 10 years.
Texas and Federal Law The statute of limitations on debt in Texas is four years. This section of the law, introduced in 2019, states that a payment on the debt (or any other activity) does not restart the clock on the statute of limitations.
A judgment can remain on your credit report as long as it is valid or active. In Texas, judgments are valid (active) for at least 10 years and they can be renewed for another 10 years after that, and then another 10 year after that, and so on, indefinitely.
Unpaid credit card debt is not forgiven after 7 years, however. You could still be sued for unpaid credit card debt after 7 years, and you may or may not be able to use the age of the debt as a winning defense, depending on the state's statute of limitations. In most states, it's between 3 and 10 years.
Table 1: Credit Score Categories and Texas Borrowers, 2018. NOTE: Credit scores are based on Equifax Risk Score 3.0.
