 Still needing answer for bad credit unsecured loan need 5k my experian has dropped to 524 & prosper denied me? |
| Every time i apply for a loan my credit drops it was over 600 my problem is that i have 16 accounts but all are current but not for long if i cant get the help. x-wife decided 2 go through the state ... |
|
 Is it illegal or some type of fraud to use business credit cards for personal use? |
I'm not talking about maxing them out, but using them instead of personal credit cards, say, if the business closed. The business cards don't show on the personal credit report.
A... |
|
 Whats a joint account?? |
| umm my sister was applying 4 mastercard and in the application and they asked her for her joint ... |
|
 What if I defaulted on a credit card? |
| First let me say that I have several credit cards. One though has really begun to screw with me. First they raised the interest rate to 21.9% and now the monthly payment is unreal (I have never ... |
|
 Which is worse for your credit? Continuously missing payments, or filing bankruptcy? |
| I keep getting letters in the mail from creditors about my deliquent accounts, and am wondering if I should file bankruptcy or not.... |
|
 I am a co-signer on a car loan and it probably will get repossessed, what are my rights? |
My father and I are in a car loan together. He is the primary and I am the co-signer. He has the vehicle and he is defaulting on it. How will him defaulting affect me if it is repossesed?
A... |
|
 How do these credit card companies get away with ripping people off? |
| credit card companies are charging for you to pay your bill and adding on late fees on your account when you don't even get a statement, how?? there are laws against this, especially in new york.... |
|
 I have hired a credit repair agency, Are they any good? |
| I need a mortgage and they claim they can remove most all bad debt from my credit history. I just wanted to get some feedback from those who have used this type of service. Thanks!... |
|
 I applied for a credit card, got accepted but then changed my mind...? |
| But when I checked my bank account there is now a credit card account as well with 2 months of late payments and the annual fee tacked on to it. I don't want this credit card at all, but now I�... |
|
 What are the average living expenses for a young couple living in their first house? |
| I mean things like certains taxes, gas bills etc. I know there is no fixed answer, but if any of you could help by letting me know some of the expensies or if you in a similar situation how much say ... |
|
 Can someone suggest a good credit card? |
| I am looking at paypal or citizensbank credit card. I'm 20 and this will be my first credit card so please suggest a good ... |
|
 Should I go for a student credit card or a regular credit card? |
| I am a college student trying to build my credit history. While shopping for credit cards, I notice that banks offer student credit cards for college students. Should I go with the student cards or ... |
|
|  |
Missymoo | Does a judgement fall off your credit report after seven years? |
My nephew has a judgement against him for credit car debt. He is paying a monthly installment on it and will have it paid off in less than three years. He asked me how long it would stay on his record? I honestly do not know if it works like other credit debt and falls off? Any info would be appreciated |
 |
 
SPIFIMAN1
|
Judgments normally show for 7 years or until the statute of limitations runs out whichever is longer. |
|
bdancer222
|
Judgments, like most public records items, can stay on your credit report for 10 years, even if it is paid in full. |
|
drwer2
|
Here is the facts about your credit history.....it all stays.
your credit score is generally calculated based upon the most recent 7 year history.
your creditworthiness is in the Eye of the Business thinking about giving you credit. In some circles, you may have a great credit score but they will use any means (your history) to charge you a higher rate. so they may look further back.
Dont look at your credit history as a collection of single events. look at the entire package , thats what creditors do.
you need to create habits and a credit pattern that shows you know how to handle money.
1. they say a debt/equity ratio of <.39 is good... guess what, you need to have one about .25
2. regardless of the D/E ratio. you need a budget that is based on what you take home......not what you can afford to make in minimum monthly payments.
3. Most of what you buy is Crap.....stop it. and stop listening to your friends and the TV about what it is you need.
4. your credit troubles are the result of marketing and peer pressure to have a life that is unsustainable for most people. Stop being Cool and start thinking about your future.
j |
|
S'Rae
|
You need to actively work to ensure marks against your credit come off when they are supposed to regardless of what it is. |
|
John G
|
as long as he's making those payments it shows up on his report that he has a judgement an that he's on a payment plan but when the debt is payed it should fall off but if he stops paying it would stay on his credit for 7 to 10 years |
|
missyvixen1217
 |
No, judgements do not work like the rest. The laws vary from state to state....in South Dakota a judgement is good for 20 years! |
|
daeve930
|
I've seen some pretty old judgements on credit reports. They hang around for a long time, and IRS or state tax liens will never go away unless they're paid...and even then you may have to fuss a bit to get them marked paid. |
|
Mary E
 |
The judgement will stay on for 7 years. It wont matter if he pays the debt off sooner. It will still show up as a bad mark for his credit. even though its paid. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 32 minutes(s) ago
| | | |
9 | 47 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 5 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
9 | 11 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
9 | 5 day(s) ago
| | | |
9 | 2 week(s) ago
| | | |
8 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
