 Cleaning your credit? |
| I recently pulled of my credit report for the first time in 3 years. It is pretty bad. I wasn't sure if I should us a clean credit company to help get my credit score back up....how does that ... |
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 Visa debit card needed - which ( UK) bank ? |
Hello,
I need a Debit card to use on many internet websites and international, like visa. Do you know wich bank offer (only debit) visa cards in uk ?
thank you
Additional ... |
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 Is there any way to buy things online if my parents REFUSE to let me use thier credit card? |
i have so many things i want to buy online that arnt avalible in stores but my parents wont let me use thier credit card...is there ANY way to get the things i want?
Additional Details
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 Does creditors fall off after seven years? |
| what i mean is my credit is shot the only thing that is a constant are my student loans... i have three or four credit cards that did not have no more than a 500 dollar credit limit but i defaulted ... |
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 How much is too often to check your credit report? |
| I know if you check it too much it can be bad.... |
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 What's more important earning more money or saving money? |
| There is a saying "It is not how much you make but how much you save"... |
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 Am I doing the right thing with my husbands bad debt? |
| My husband has $20,000 in debt in occurred before we got together.12,000 of it is past due things he has stopped paying on, the other $8,000 is his car. I want to sale the car and get a junker for $1,... |
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 Credit card? |
I'm trying to find my first credit card but i have no idea what to look for or where to look for it.
I just turned 18 an i do have a job but it doesn't pay much so i need one with low ... |
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 I'm 19 and I Have NO credit....? |
| i'm 19, i don't have any credit, i don't have anything in my name, not even my cell phone (it was my mother's bright idea to put it in her name, worst mistake ever). i have a ... |
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 How do you pay your credit card to start to raise your credit? |
| i just got a credit card and im want to start building credit.... i was wondering what would be the best way to build credit.. i have heard i should only take care of the minimum, or something along ... |
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 What is the easiest way to payoff credit card debt? |
| There are tons of credit card offers at 0% on transfer balances, is this the way to go? I know, read the fine print.....What's the most logical way?... |
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 I just got a call from a collection agency about chase card I have that i have? |
| not been able to ay since I lost my job, he said if i dont ay by the 27th they are taking me to court. What does that involve, he was very abusive to me and called me names and said i was not an ... |
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 I noticed before christmas that my credit score was terrible. 511 to be exact? |
| So I joined Experian and started paying ALL my bills on time I cleared 2 defaults(partial settlement) and brought a store card below its balance. This has all been shown on my report but the problem ... |
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| Do you get around w/o having and using a credit card like people did before the cards were invented? |
If you do or don't, can you share how you feel about dependency on credit cards in lieu of cash?
Additional Details
Informative answers are helpful and appreciated.... |
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 Capital One over limit charge? |
Hi everyone
I am very angry because I am trying to call Capital one.
I cant seem to talk anyone who speaks English without me having to say 'pardon'
I went ... |
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fred | After seven years do all negative items remove them self? |
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Johnsmatrix
 |
Sometimes you have to dispute them as "obsolete" and then they will be removed. |
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Cheryl K
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Depends on what your talking about some bankruptcies can be on for ten years. Some things fall off at seven years. |
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webworm90
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Bankruptcy information may be reported for 10 years.
7 years and 180 days after the deliqency that caused the account to go bad. The time clock starts on the month the original deliquency started by the original account, regardless of whether the account has been sold to a collection agency, was paid at a later date, or a judgement was placed |
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lissa
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this is what I heard |
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Robert L
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no another company will buy the account and try to get you to pay it. they will start the 7 year period over from the the time the second company purchaes the account. this may happen several times with each seller claiming it as a loss for the year. it is illegal for them to do this but most people dont know the law and just let it go and simply do not pay either company. this method will not work they will continue to screw up your credit for years if you let them get away with it. seek legal advice i could be wrong |
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Lady
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no |
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bella_4624_19
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Besides bankruptcy, most debts are suppose to come off at 7 years. If for some reason they do not, you simply dispute the tradelines as obsolete.
Just because the 7 years has past, that does not mean the collection agency has to stop asking for the money. They can pursue you as long as they want. They cannot sue you though and since it is no longer on you report, they should not be able to prove that you owe the debt and put it back on your report. |
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goodgirl516
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Yes after seven years they will "fall off", however there are some collection companies out there that will resell your debt if they want to and it will become a current when they do sell it. |
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dantrumble1974
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No there is certain debt that goes to the grave with you. Having said that the VAST majority of debt (95%+) does become null and void after 7 years. However, you will probably have to write EACH credit reporting agency individually to have "old debt" removed. You can do this by email now. Good luck.
Slainte,
-D |
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miss_gem_01
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You have to be more specific. |
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colleyshey
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I think it may be 10 years now |
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jeff s
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no, it will still show up. |
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©rojoe® Semi Retired
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Only if you have broken a Mirror seven years before. |
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