 Paid off debt that was in collection....? |
| my boyfriend has horrible credit. so we got his credit report and started paying off the debt collectors. his credit score has not gone up. should we just not pay the rest of the debt collectors off ... |
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 Am I liable for a debt of £269 which has been outstanding since 1993. I have just been contacted about it? |
| It is that long ago, I have no idea what the debt is for. The solicitors are acting for a third party. the debt is apparently owed to a finance company.... |
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 How soon, once debt is paid off, does it disappear from you credit? |
| My fiancee went through a bad divorce and had to resort to not paying his bills. His credit got screwed, then he recieved a decent chunk of inheritance. He has since then paid off all debt and has no ... |
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 Fair Credit Reporting Act - ?? |
| I have two entries on my credit report for the same account (one by the original creditor and one by the collections). Is there a section number in the FCRA that applies to only one company legally ... |
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 Can you go to prison for credit card debt? |
| My fiance is struggling with credit card debt and can't do anything to pay it off. He keeps telling me they can't get money from someone who has none. Anyways someone made a phone call to ... |
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 Free credit report? |
| Where can I go to get actually free credit report? Also, how do I dispute something on my report?... |
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 Banks charges? |
| After watching watch dog tonight i have decided to go ahead and claim all my bank charges back, What have i got to lose, but i need to know how do i go about this? ... |
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 Will opening 3 credit cards at once hurt my credit score? |
| I just recently received a new credit card adding to my 3 cards that I already have. I was trying to transfer a balance from one card to the new one but since I wasn't given the credit limit ... |
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 Can The Bank Take Money From My Checking Account 4 Credit Card??? |
| My checking account and credit card are through the same bank. I stopped paying on my credit card and it's gone 2 collections. What I want 2 kno is can the bank take money out of my checking <... |
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 How long does it take for a store to refund/give credit back to a debit? |
I'm not sure if my question makes sense..but this is what happened...
I recently returned an item at H&M and asked for a refund, which is supposed to give me back credit on my ... |
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 Would company turn down cash payment? |
| I have only done this once but what if you order something and instead of sending in a check or money order you attach cash to the form.Would a company refuse it or demand that you pay another way.I ... |
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 How do I get a loan from the bank to start a small business if my credit is bad??? |
| Im in school for Massage Therapy, I would like to get a loan to buy different things to start a Massage Therapy business in my home. I things like tables, oils, chairs, uniforms, supplies........ |
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 Check scam? |
| a strange thing happened last week. i received a check delivered overnight thru ups. it was made out to me for $2000.00. i took it to the bank and they funds were not available. so i waited a few ... |
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 How bad should your credit be before considering bankruptcy? |
| In other words, If i have a lot of negative items, and a score of about 560, should I just go ahead and file, or try and battle through everything? I have a mortgage that I am behind on and 2 car ... |
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finney | 7 year credit bereau? |
is it true that if you have bills that went to the credit bereau it stays there for 7 years and after that it's taken off how true is that i've never heard that before ??????? |
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Wolfman
 |
annualcreditrepots.com
https://www.annualcreditreport.com/cra/index.jsp
Please note!!!! freecredit report IS NOT FREE!!
its annualcredit report that is free! |
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luciousgreeneyedlady
|
The statue of limitations is now 10 years. And yes, after that your credit file is clear. Of course there are people out there who will clear your credit (illegally) anytime you want for a fee of around $500. |
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coreys1247
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Any item except for public records stay for 7 years, unless you dispute them and the source that reported them fails to reverify them after you dispute them.
You can dispute negative items using the free credit repair kit here: http://www.expert-credit-advice.com/free_credit_repair.htm |
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Momma Jo
 |
Negative items stay on your report for 7 years from the last reporting. The bad thing about that is that a credit card can report at any time during that 7 years, and then it could stay on your credit for 7 years from that day. It could keep repeating if they wanted it to. |
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Amy G
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you can get a free credit report yearly from freecreditreport.com and then you will know exactly what your report says. you can also check to see if something is incorrect. you only have to pay if you want your credit score |
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Kokopelli
|
Negative items stay on your credit report for 7 years; bankruptcies for 10.
My entire FACE is a negative credit report. |
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asjrb
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Gremlin's answer is correct. |
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itsadebtorslife
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Yes, it is true. After 7 years, check your credit report. If it is still there, contact the credit bureau to take it off. Sometimes collection agencies use the date the debt is assigned to the collection agency instead of the date the bill was incurred and you can dispute that. Check out this link for more help |
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Gremlin
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Negative information stays on your credit report for 7 years from the date of reporting. |
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Mariposa
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Yes, items reported to the credit bureaus stay on your report for 7 years, after that it drops off. Depending on your state's statue of limitations, you can still be sued for the bill even after it falls of your report. |
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