 As despised a credit card is, why do people like them so much? |
| itunes accounts needs them. paypal needs them. ebay needs them. and almost all of internet shopping vendors (read:scam websites) requires you to have a credit card account. but what i see, the ... |
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 How to stop collection calls ? |
| How to stop Collection(debt) calls at my work ? I don even know how did they got my work number ?... |
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 I was really stupid when i was 18 and got my self into debt. I'm now 25 and a little bit wiser but? |
| i now have a terrible credit rating. I would like to get a credit card just for emergancies (i'm now actually good with money!) Which credit card companys in the uk are good for people with a ... |
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 I have bad credit and someone told me I can erase my credit rating by getting a new Social Security number? |
| A friend said that since credit bureau use your Social Security number to report people that I could eliminate my bad credit by getting a new social security number. Is that true? Is that legal?... |
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 What is the best credit card to use?.? |
| I have good credit so far and I want to keep it that way.... |
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 Bad Credit & Credit Cards? |
| When I was in college I did not pay some debts that went to a collection agency and was not payed unitl 5 years after the fact. Now that I am trying to obtain a credit card everyone/agency/bank is ... |
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 Help! I want to repair my credit.? |
| My credit score is bad and I would like to buy a home. I got a credit report, should I start making payments on the companies that were on my credit report or do I have to call them up to make ... |
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 I Cant understand why so many of my friends have debt problems? |
| But yet they want to buy a new car every other year. They want to buy £90 pairs of shoes have 2 holidays a year etc etc. Then they wonder why there credit card is "Maxed out" Why do people ... |
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 How do you get a car loan if you have no credit, but bad credit? |
One of the things car dealers look for is established credit, if you do not have it they offer the first time buyers package.
Only I don't qualify because even though I have no credit,... |
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 What are some ways (that won't cost money) to moderately improve your credit score? |
Additional Details
I heard you can improve your credit by selecting the 'credit option' versus the 'debit option' when using your bank card. Is this true?... |
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 What makes a good credit card? |
| i am interested in getting a visa card but unsure how to find something ideal for a ... |
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 Is net shopping through credit card safe? |
| I want to purchase some items from US. But i am worried .... |
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 We've been approved for a home despite our low credit score? |
| We have mostly medical bills on there. What are some of the things that could stop the closing dead in its tracks. We're building our home and I am just not excited at all fearing that the ... |
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 BAD CREDIT AND NEED credit card? |
| I WAS WONDERING IF ANYONE KNOWS OF A CREDIT CARD COMPANY THAT WILL ISSUE YOU A CREDIT LIMIT WITH NOT SO GOOD CREDIT. LIKE BANKRUPTCY, REPO ETC..THE MONEY IS NOT THE PROBLEM BUT I HAVE BANKRUPTCY OVER ... |
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 Does it look bad when I request my own credit report? |
| A woman reviewing my credit at a credit union today said that it generally looks bad if my report has been accessed 6 times in one year by credit card companies or lenders. When I access it myself...... |
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Deaner | Does anyone know if it is possible to get a bankruptcy removed form your credit report.? |
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Credit Guy
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EVERY SINGLE ANSWER HERE IS WRONG.
I filed bankruptcy 2 years ago and got it removed from 2 out of 3 of my credit reports. The credit bureaus could not verify it, so they had to delete it. It's the law.
To all of the people who answered this question:
READ THE FCRA http://www.ftc.gov/os/statutes/031224fcra.pdf
Misinformation can really hurt people. If you are not 100% sure of your answer, you are better off not answering. Do your research!!! |
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twv2351265
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Credit agencies stores information from credit grantors and public records, including bankruptcies, judgments and liens. Missed payments and most public record items remain on the credit report for seven years, with the exception of Chapter 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for up to 15 years.
A credit bureau will not remove accurate negative information from your credit report before the legal time period has expired. Therefore, do not believe anyone who claims they can get negative information removed from your credit report faster than is legally required.
There are no "loopholes" or laws that credit repair companies can use to get correct information off your credit report. |
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SCH
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It stays on for 10 years...you cannot get it removed. You should have considered the ramifications before you filed. |
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cpaige517
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Hi, being an owner of a legitimate credit repair company, I know for a fact that ,yes you can have it removed if it does not belong to you. The credit bureaus have to correct any and all unverifiable and inaccurate information in your credit file once they have been notified. Again, if the information is wrong it can be deleted. But if it is not, you are going to be looking at it for at least 10 years. Before a person answering this question say that all the answers are wrong, he should read the whole response and not just some of it. The second sentence of my response clearly says: The credit bureaus have to correct any and all unverifiable and inaccurate information in your credit file once they have been notified. |
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Pengy
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After ten short years it will come off the report, no other way |
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SPIFIMAN1
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Bankruptcy's show for 10-years from the date of discharge.
Accurate information can not be removed no matter what credit repair people claim. |
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beauty s
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yea, after 10 years |
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Shawny
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I know someone who has claimed, and it stays on for 7 years. |
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Cali Girl
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Only after 7-10 years depending on the state it was filed in. |
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NONAME
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u cant for 10 years |
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Caitlin
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No. It stays 7-10 years. I believe once the time is up it will disappear. You will get plenty of offers to re-establish your credit after about a year or so. I wouldn't recommend filing unless you are in over your head so much that it's literally killing you. |
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