How long does a credit grantor/collection agency have to respond to the reporting bureau about a dispute 15 days 30 days 45 days 60 days Bankruptcy information will appear on your credit for how long 7 years 8 years 9 years 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 is to Never use credit accounts Mooch off of your friends and family Pay your bills on time Apply for all credit card offers you receive