Complaints of violations of the FCRA may also be filed with those agencies. Other federal agencies with authority to enforce the FCRA can be found at the end of this fact sheet. For California residents, records of arrests, information or misdemeanor complaints must be removed after 7 years. But under federal law, records of criminal convictions may remain on a credit report indefinitely. Many financial experts agree that you should check your credit report at least once a month.
Creditors generally send updates to the credit bureaus once every month.
Therefore, your account information should be updated once a month as well. If you are expecting an important change in one or more of your accounts, or if you are closely monitoring your credit history, you may want to check your credit report more often. All creditors do not send updates to the bureaus on the same day. The credit bureaus are constantly receiving updates. There is no easy way to tell exactly when a creditor will send new information to the bureaus, or when the bureaus will update their databases.