If you have any history of late payment or if the credit account was included in a bankruptcy, charged off, or put into repossession, the listing will be considered negative or derogatory by all credit grantors. Not all credit accounts may be listed on your credit report since not every credit grantor reports to the same credit bureaus. In addition, not all credit grantors report every credit account to the credit bureaus. For a thorough review of your credit file, you should look at information from all three major credit bureaus. When any credit account is referred to a collection agency or the collections department of a credit grantor because of delinquency, non-payment, or other reason, it shows on the credit report as a collection account.
Collection accounts can appear as paid or unpaid accounts.
These requests for your credit report are noted as part of your credit history file and can remain for 24 months. It is each credit grantor's decision. Credit grantors usually reject applications for this reason when they see several inquiries but no new credit. They would rather be safe than sorry. Some companies make unauthorized inquiries to check your credit.