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 If i close a credit car account in good standing does that lower my credit score?
my bank offered me a credit line 1500.00 w an excellent interest rate the other company i only have a 250.00 limit w very high interest rate if i close that account will that lower my credit score?...


 Prepaid credit card?????
could u pls tell me if prepaid credit card build credit history?
...


 We have really bad credit, we would love to buy a house were can we got a loan?
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 I am in debt to the I.R.S. to the tune of $60,000. Can that number be negotiated? Will they take pmts.?
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 Credit report?
i owe some money to a credit company if they dont find me for six years is it true the debt is normally wrote off? and when its wrote off is the bad debt also took off your credit record?...


 How can i pay for a car with bad credit and no down payment?
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 Okay, I have a question. If my mom gets a credit card and adds me as a secondary card user.?
Does that help build my credit at all or no???? Thanks a lot in advance....


 Can you offer to pay only half of the debt to a collection agency?
I'm trying to clear up a couple of things on my credit report. I had a couple people suggest to just pay half of the debt. Does it work?and is there negotiating involved. Then what do I do ...


 A friend barrowed a money on me she refused to pay, what kind of action i may take against her..?
anyways we dont have any agreement paper since i trust her as my friend....


 Any ideas on what type of credit card is good for bad credit?
I was stupid when I was younger now I'm looking to open a new card to re establish my ...


 How can I get a loan at 18 with no credit?
I am an 18 years old college student. I work full time and go to school full time as well. I cannot afford to buy a car outright. But I can afford a decent car payment. How can I get a decent loan ...


 I lended $ 20000 to my friend. I have the loan proof.?
My friend have left Australia permanently and have gone to China. Can i recover the amount from him through australian courts?...


 Can a payday advance company send me to collections if I don't pay back?
A co-worker borrowed money from a check 'n go, but has no money to pay it back. She put a stop payment on the check, and has refused to answer their calls. Can they send her to collections or ...


 Where is the best mortgage?
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 Where do you go to get a home equity line of credit for a mobile home?
I inherited the mobile home and have lived in it for less than a year and I'd like to get the loan for home repairs and a new/used car. But I'm not sure where to go or how to go about ...


 Should I get a credit card?
I am a full adult, just have never been very credit savy.
I have been the last couple of years building up my score due to paid off loans etc.
I would like to get a credit card so I can go ...


 Can anyone tell me!?
Why in this day an age, of payments and receipts being instant, that a Chq Still can take 6 days to clear?
i know checks have to be done but 6 days, surly this is just a ruse by banks to rip us ...


 With a 525 credit rating is it possible to be accepted for non-secured credit cards?
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 Wedding loan?
Is it possible to take out a personal loan to help pay for your wedding? I'd rather not have to pay on my Credit Cards. I was considering a personal loan of $1000, over a two-year period....


 Where can i get a credit card at 17 to begin building my credit?
...



SharpDr08
Credit Report Question?
How long does the following information needs to stay on the report?

* Accounts that are paid for as agreed
* Charge off accounts
                     
 




thinking-guru
Rating
The most recent 12 months hold the most weight on your CR in this order of importance: mortgages, installment loans (auto, boat, student), and revolving credit (credit cards). Your accounts will remain on your CR - regardless of payment status - for 7-10 years. Bad items like bankruptcies, federal tax liens, and civil court judgements will stay longer (10 years). But the further away they are from today, the less they affect your overall score (both good and bad accounts). And I have been told by representatives from the 3 bureaus that the majority of your scores are derived from the most recent 12 months of activity.


J.W. Augustiner
At least seven years for both


zipper
Rating
If it is ACCOUNTS PAID AS AGREED< as long as possable. They help your credit report and make you look like a good risk. Now change off accounts: If you have made good on them contact the credit agencies and inform them that you made good on the account. Other wise they are going to stay there from seven to ten years: and they look BAD on your report. Unless you some how made good on them. That is why you should check your report once a year.


danesgirl74
Rating
Accounts paid as agreed stay on for 7 years. I have heard of chargeoff's staying on as long as 10 years but I think it is actually 5-7 years.


chasetwins05
Rating
Reporting can stay on your record usually between 3 and 5 years. Bad reports can be there for up to 7 years - usually only 5. When reading the report it usually gives you the date the record is subject to be removed.
Open accounts always remain.
Inquiries - 2 years


Ryan
Charge off will remain on your reports for 7 years, unless there was some kind of error that is later corrected which might be removed.


Mrs HarleyBrat
a few years - making it harder to get a decent loan with a decent interest rate - without a major down payment


Wilma S
At least 6 months I believe.


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