 Should I pay a credit card or car loan? |
| I have a 14,000 inheritance- I am trying to improve my fico. Should I pay off a 14,000 credit card or a 7,000 car loan and put the rest towards the credit card?... |
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 What to do if a co-worker owes you money? |
| I felt sorry for my co-worker. I have known her for about 3 years. I would say I'm a friend but haven't hung out with her outside of work very often. She's going through a bitter ... |
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 How can i raise my credit score??? |
| Im 21 and never had a bank account, when i've tried to get one im refused because i have no credit, i want to buy a house in a few years. any ideas??... |
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 I have horrible credit how do i fix it?? |
| I'm only 21 and screwed up my credit so bad. When I was 18 I moved to manhattan and maxed out my cards and was late paying them off. They're all payed off now and closed accounts. How do I ... |
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 How do i establish good credit? |
I have had my first credit card for 3 months now. i am 20 years old. i want to establish good credit. how can i do this
???
i have a National City Visa Points Credit card that i got ... |
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 How do I balance my life financially with a $475.00car payment, $500rent, $200 credit debt, with 1300income? |
| Not to mention food, gas, car maint. Do I sell my car but it's not paid off and I don't want to get ripped off, I have invested too much money into it. I really want to settle for something ... |
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 Late car payment need advice? |
| ok heres the deal my payment is due on the 25th of november due to fiancial problems i couldnt make the payment what my plans are is to pay the month of november on dec 18th and then pay december ... |
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 Any suggestions for someone with bankruptcy on their credit that would now like a credit card? |
| I had to file bankruptcy 6 years ago, because of a previous marraige. I would like to have a credit card now. It is really hard to find one that will approve me. Does anyone know of a credit card ... |
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 If my credit score is 714 and i apply for a wamu card how much will they give me as a start? |
if my credit score is 714 and i apply for a wamu platinum credit card can anyone tell me how much i will get.
? all my other cards are zero balance and the highest card is a 2000 limit so i ... |
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 Credit card for 12 year old.? |
| i wont to give my 12 year old sister a credit card they asked if i wonted to add some one so i said yes, i gave the name and it came in the mail i thought i was done. now they are asking for ssn, ... |
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 I need a credit card with no annual fees, but i have really bad credit...? |
| i have been denied by my bank, and the other credit cards require a doposit for my credit line. i just want a major credit card where i don't have to give any money up front. please help. thanks.... |
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 I am considering entering a debt management program. Anyone have any advice? |
| I am considering entering a debt management program because I am way over my head in credit card debt. I know it may not be the best solution but it seems I keep putting it off, getting no where ... |
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 Shall I pay this six year old debt? |
A collection agency is requesting payment for a debt owed beginning in september of 2001 (date of first delinquency: 6 years ago).
The information is not in any of my credit reports. If it was, I... |
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 Can someone tell me how to find a Private personal loan lender in my area? |
| Still trying to get a lioan with little or no credit and I have been getting alot of rejections. Does anyone know a good personal lender or some website I can go to where I can find one in my area?... |
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 Does anyone know of any car loan places that help people with bad credit and gross around 1200 a month? |
| I have been trying to get approved for an car loan but my credit isn't very good and i only make about 1200 a month. anyone know if there is somewhere i can go to get help with an car loan ... |
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dennisjay1492 | How bad and how long can a foreclosure hurt and stay on your credit report, I know it is bad, i just need to? |
know how bad i am looking at? |
 |
 
Diane A
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7-10yrs
Try: Deed in Lieu of Foreclosure
When the lender allows you to give-back your property--and forgives the debt. It does have a negative impact on your credit record, but not as much as a foreclosure.
The lender might require that you attempt to sell the house for a specific time period before agreeing to this option, and it might not be possible if there are other liens against the home. |
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run7days
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If your losing a home you probably have bigger problems then your credit report. Have you made bad business, relationship, and financial decisions? You may need to fix those before you even worry about your credit report. Money can be made and credit fixed but if your a bad decision maker you'll never fix your credit. |
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angelikabertrand64
 |
Diana A is right. Sorry to tell you that. |
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Culture Warrior
 |
It will stay on the report for 10 years.
Foreclosures are credit report suicide. Most "good" lenders will not even look at you with a foreclosure on your credit report until it has been at least 3 years.
Bankruptcy can be in as little at 1 year and you can get a traditional mortgage, maybe at an elevated rate though.
If you are looking at buying a home, you may have to do a contract sale. If that does happen, get an attorney. |
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shambuca
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my friend filed bankruptcy in 96 - it is suppose clear your credit report after 7 years, but a few years ago they changed it to 10 years, not sure how true it is that it clears your credit report, she is still having problems with it- she built up her credit again but some credit card companies still deny her for cards because of it. I'm pretty sure a foreclosure will bring you the same grief. Contact a credit counselor for advise. |
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cdb774
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My husbands and mine stayed on for 7 years and the credit rating we got was crappy. A large amount of businesses snub at you once this has been done...we are still trying to get someone to give us credit after 2 years past the 7 years. Good luck. |
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332960013451
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Most items will stay on your credit report for 7 to the max of 10 years. Their is no telling on if it will stay for 7 or 10 years, it depends on the creditor. |
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Juleette
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i don't think you can remove that or bankruptcy to be honest |
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kja63
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It will hurt your credit score, which means you are less likely to get loans and if you do you will pay significantly higher interest rates.
It stays on for 7 years. |
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jerk
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Dude your borrowing power is gone at least for the next 7 years, in that time do your BEST to save money. You need to establish some sort of credit and keep making monthly payments to show a creditor that you are able to maintain regular payments. That MAY offset any damaged credit.
GOOD LUCK! |
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Clayton E
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Things stay on your credit report for 7 years. |
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