I do not really know exactly how to cite US code correctly, so I will just get you close enough to do a text search: Go here: https://www.law.cornell.edu/uscod

I do not really know exactly how to cite US code correctly, so I will just get you close enough to do a text search: Go here: https://www.law.cornell.edu/uscode/text/15/1681c https://www.law.cornell.edu/uscode/text/15/1681c Search on that page for "Exempted Cases" All of the language about how long negative information can be shown on a credit report is exempted when the loan principle is $150K or greater.