How long does a credit grantor/collection agency have to respond to the reporting bureau about a dispute? a. 15 days b. 30 days c. 45 days d. 60 days Bankruptcy information will appear on your credit for how long? a. 7 years b. 8 years c. 9 years d. 10 years Keeping your credit in good shape isn't a concern young adults should have. True False The biggest way to impact your credit score (either positively or negatively) is to a. Never use credit accounts. b. Mooch off of your friends and family c. Pay your bills on time d. Apply for all credit card offers you receive