 Where should I get an auto loan online? |
What are some good and reputable internet sites that offer auto loans?
Additional Details
NOT auto insurance.... |
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 If you get declined for a credit card, does that affect your credit score negatively? |
| I was wondering out of curiosity because I was declined a credit card for being "out of the service area." I heard that it will show that your credit was looked into, but it wont decrease ... |
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 How do I build better credit from bad credit? |
| I am trying to get out of my bad credit slump from when I was younger and just went crazy with my credit cards. Now that I am older I am trying to start over. I have about 4 or 5,000 in Credit card ... |
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 Is there a way to know your credit score? |
| Do you know a site that i can see my credit score w/o a fee?... |
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 Why are banks in america are going bankrupt?? ? |
| just read about Lehman bro's bankruptcy filing>> i do not have deep knowledge of economics...so could someone explain to me in simple terms about the issue i have written>>... |
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 I keep asking this ques but no one is giving me an answer or understanding my question..? |
| i took out a car loan/financed in 2000, went delinquent in 2/03, it was repo'd in 8/2005. When does the SOL start ticking? 2000, 2/03, 0r 8/05? in what year will the sol run out?... |
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 Can I declared Bankruptcy? |
| I am thinking about declaring bankruptcy. I have about 10,000 in credit card debt. I am a full time student and I will be very involved on campus next semester. Is it a good idea to declared ... |
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 I have a credit card i dont use and probably never will,,,cancel it? |
Additional Details
i like the answers.. the card has a low limit and i have other open revolving accounts too (high limits)..so i fell its useless to ... |
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 Can I use my friends credit card without them being at the store? |
| She offered to use her credit card and pay half of the repairs on my vehicle. Neither one of us have enough credit to pay for the whole thing on one credit card. Now she can't come with me but ... |
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| How likely will a debt collector sue? |
| Ok i hear lots of diffrent things. I hear that they will not mess around with amounts for under 7500. It cost too much for them. I also hear that it is under like 500. I opend a credit card and ... |
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 To get credit card? |
| i used to live with family, now i moved to my property last month, i never apply for credit card in last 5 yrs but i have my credit history, so is it possible to to apply for credit cards..when i ... |
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 I have $6,000 in credit card debt, what's the best thing to do? |
| I can't get a loan because I don't have any collateral. What' the best thing I can do? Should I get a balance transfer or is there any way I could get my credit card company to lower ... |
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 Credit history? can i pay a company to fix it? |
| Is it possible to pay a company to remove bad credit listings on my credit rating?... |
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 How can you get a checking account when your credit information says checking account abuse? |
| Okay this wasn't my fault but we had a joint account and we where hurting financially and my husband NOT me wrote some bad checks. We payed off the account and all the fees but now when I tried ... |
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 Is it Illegal? |
| I have heard that you can contact creditors and make "pay to remove" arrangements with them by a lot of different sources but when I went to contact the creditor at first the acted as if ... |
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silverdapplemom | Does negative credit ever "fall off" your credit report ie 5-10 yrs.? |
Is there a limit to the time bad credit such as charge offs, unpaid medical bills, credit card bills are listed on your credit report? I think there is a limit on the collection time but what about listed time? |
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RedSoxFan
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Negative accounts - 7 years from date of last activity
Collections - 7 years from date of last activity
Judgements - 7 years from date filed
Tax Liens - 7 years from date released (paid)
Chapter 7 bankruptcy - 10 years from date filed
Ch 13 bankruptcy (discharged) - 7 years from date filed
Good credit - 10 years from date of last activity
New York exception - paid judgments or collections purge after 5 years instead of 7
California exception - unpaid tax liens purge after 10 years from date filed whereas unpaid tax liens in other states report indefinitely |
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S W
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yes there is a limit, however the amount of time varies according to the listing, bankrupcy, repo, missed or late payments, etc...and check with your finacial advisor or local bank if you have specific questions regarding your credit or the reporting agencies |
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been_there_done_that
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7 years in my state. |
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STEVEN F
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In the US credit reporting is governed by FEDERAL law. your state does not matter. Most negative accurate negative information is reported for 7 years. Bankruptcies are reported for 10. |
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CR
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7 years.. |
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Common Sense
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Yes, I believe the come off in 7 yrs. |
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G-man
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It is not a state issue, it is federal. But collections, repos, bankruptcy, charge-offs, consumer credit counseling, and public judgments (i.e. you didn't pay your taxes) remain on your history for 10 years.
Bad (late payments, over limits, delinquency, etc.) and good (pay on time, etc.) information remain on your credit history for 7 years.
Inquiries (i.e. new credit applications, etc) remain for 1 or 2 years depending on the nature of the inquiry.
Good Luck. |
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djqueen
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yes, after 7 years. the credit bureau has to put closer to your bad credit. then you can try to restablish your credit again. |
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michinoku2001
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7 years |
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Studly
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Once again an amazing collection of almost right answers (and some totally wrong ones....). RedFoxFan is the only correct one in the back.
Note how most of these folks never give sources?
Let me (once again) correct the wrong answers.
Debts are reported on your credit report for 7 years, beginning from the date of the delinquency (NOT the date of the last transaction).
The ONLY debt that last longer on your credit report are bankruptcies (10 years). It makes no difference if it's a charge-off, delinquency, late payment, or in collections. |
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Steven5441
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Most collection time limits expire in 5 or ten years, depending on your state. Most bad credit will fall off at 7 years from the date of the last activity, as it is considered outdated by the credit bureaus. However, if you pay of your debt that is almost at the seven year mark, you may end up with it on your credit report for an additional 7 years. |
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INQUIRE WITHIN
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THERE IS A LIMIT AS TO HOW LONG THINGS STAY ON YOUR CREDIT REPORT. IT IS SEVEN YEARS, AND ALSO UNPAID MEDICAL BILLS ARE LISTED BUT DO NOT SHOW IN YOUR CREDIT REPORT. |
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