 Credit cards???? |
| If you have a credit card and do not use it to purchase anything do you still get a mnthly statement looking for payment or anything?... |
|
 I have applied for a loan but the company want me to pay a brokers fee first, I have come accross this before? |
| The company want me to send a cheque for £39.99 and they say the loan is provisional - anyone else come accross this and is it genuine or a rip off ?... |
|
 I can't pay my bills for the first time ever. What will happen to me.? |
| I lost my job two months ago and have only found odd jobs since. Im in college full time and have a car payment, 5 credit cards (havent used any for 3 years), phone, rent. No parents to support or ... |
|
 What is the best way to fight a collection agency? |
| I am disputing a bill with a collection agency. Even though I have informed them that the bill is incorrect 3 times, they still have reported me to the 3 credit bureaus as being late. What good is ... |
|
 Im 17 years old and i was wondering what should i do to get GREAT credit ? i dont want bad credit. lol? |
| Plus i want to get a GOOD credit card when im 18 or older. but i dont know what i should do to start building the credit. i dont know how all of this works. ... |
|
 How to get a loan with not so good credit? |
| I need a loan of 1000 dollars and I don't have good credit. Any suggestions on where I can get a loan from? No payday loans ... |
|
 Is it cheaper for a merchant to process credit or debit? |
In general, which results in fewer fees for them, and what is the benefit either way for me?
Additional Details
My bank (credit union actually) does not charge a fee for card use, ... |
|
 Do i have give the bank the money? |
| recently my bank card was stolen and somebody used it to commit fraud and spent thousands. However, my card was reported lost before the card was used for fraudelent activity. The bank say that I am ... |
|
 Pre-paid credit card? |
| do prepaid credit cards help build ur credit score?... |
|
 I need a credit card to pay off trips. Any suggestions? |
I am a senior in high school and have no credit but i am 18.
Additional Details
I am getting ready to go on 2 school ... |
|
 Credit Card Question? |
| If someone has a credit limit of 3000.00 – how much of that can they use, all of it? Like for example if someone has a $3000.00 credit limit and they want to purchase something for like 2890.00 can ... |
|
 Is it legal that a car financing co. calls on Sunday? |
| I made arrangements to split my payment between 2 weeks and within my 10 day grace period. They called 2 days later on Sunday, Christmas Eve, at 7:30. I have already post dated a check for the ... |
|
| Anonymous Prepaid Credit card? |
| So... I want a prepaid credit card which i can get in a different name and address. It's because i was suspended from Ebay, totally unfairly (I did nothing wrong!) but i need to get back onto it ... |
|
|  |
BooBoo | How long does a bankruptcy remain on my credit report in the U.S.? I was granted it back in Nov. 2002. Thanks |
|
 |
 
[♥]Rae Rae[♥]
|
In most cases 10 years for chapter 7 possibly 7 for chapter 13.
Bankruptcies on a Credit Record
A Chapter 7 bankrutpcy may display on your credit for 10 years from the date of filing. Chapter 13 may stay for 10 yeas also, but it is customary for those to be removed after 7 years.
Here is more specific advice and input from various FAQ Farmers:
Seven to ten years from the date of discharge.
All discharged bankruptcies whether a state or federal filing remain on a CR for 10 years. A dismissed chapter 13 remains for 7 years, a dismissed chapter 7 remains for 10 years.
Chapt.7-11-12 will remain for ten years. A chapter 13 will remain for seven years if successfully completed, for 10 years if dismissed.
Ten (10) years for a discharged chapter 7 or 13. Seven (7) years for a dismissed chapter 13, ten (10) years for a dismissed chapter 7.
Although it is true that the federal Fair Credit Reporting Act does provide that bankruptcy entries will remain for 10 years, there are some creditors that will only leave a chapter 13 bankruptcy on your record for 7, rather than 10 years. They do this to encourage people to pay part of their debts rather than discharge it all under a chapter 7. More importantly, the effect of bankruptcy on one's ability to get credit is vastly overstated. The key to getting the credit you need has far more to do with the amount of present income you have rather than any negatives on your credit report. In short, if you have good present income, the creditors will look past your credit report to your wallet in the sense that it is possible, even with a bankruptcy on one's record, to get credit for cars and new credit cards as soon as you are discharged in a chapter 7 (about four months after you file), and after a year or so, you can even get a mortgage on a house. They may not give you the best rate, but if you have good present income, even a person with a bankruptcy on their record can get the credit they want in almost all cases.
You will not qualify for a FHA until a chapter 7 has be discharged for 2 years. A chapter 13, you will only have to wait a minimum of 1 year from filing date. |
|
C C
 |
It used to be seven years, now it is ten. |
|
redheadedstepchild
 |
Under the Fair Credit Reporting Act (FCRA), which is administered by the Federal Trade Commission, "all public records are reported on your credit report for 10 years"!
That is 10 years from the date you first filed the Bankruptcy, not the date it was "discharged".
As this is a Federal Law (not State), and the fact that the Credit Bureaus are "national"...........this applies to ANY State you live in.
Good Luck. |
|
joyceeleann
 |
They say 7 but its stays readable on your credit report for TEN |
|
stephen
|
It's usually 7 to 10 years . |
|
Lesley
 |
Up to 10 years, so until November of 2012 at the most. |
|
Jane_S
 |
I think it depends on your state. I think it's about ten years. Ask on www.lawguru.com |
|
Zipperhead
 |
7 years |
|
Corsetchic
|
It is 7 years so technically, it should fall off this November. However, not all the 3 credit bureaus worry about being super up to date on that, so you will wont to contact each one individually in mid November to make sure they have that off your record. |
|
trix
|
5 to 8 years i believe |
|
kayley_bug
|
I think my mom said 7yrs |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 3 minutes(s) ago
| | | |
11 | 12 minutes(s) ago
| | | |
11 | 49 minutes(s) ago
| | | |
11 | 50 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
11 | 10 hour(s) ago
| | | |
11 | 2 day(s) ago
| | | |
11 | 3 day(s) ago
| | | |
11 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
