 Whats the best way to establish credit if you dot have any? |
| i dont have any credit and im 19.is a credit card a way to establish credit and if so what credit card is good? HElp give me some ... |
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 Can collections agency collect on a debt that hasn't ben paid on Since 1999? |
| I have just recieved a collections from an agency that say I owe them money from back in '99. They said that no payment has been made since Nov '99. I have requested information about ... |
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 I have really terrible credit. But all the accounts have been untouched for 5 years.? |
Is there a decent credit card out there with no annual fee that would help me establish my credit? I've been turned down by dept stores! I need help. Thanks
Additional Details
T... |
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 Car repossessed, legal advice? |
| My 23 year old son had his car repossessed back in December 2006. He was told by Toyota financial, that he had to pay the balance on the loan, plus towing, plus impound fees. It came to over $17,000. ... |
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 I need some help with credit cards? |
| Im 18 and I have no credit history. I want to establish some credit so in the future I can get loans for school or for a car. Is there a credit card that would approve me even though i dont have a ... |
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 How can I repair my credit history on my own? |
| any suggestions, advice or ideas would be appreciated.... |
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 Credit report question? help please!? |
| ok so a little under 2 months ago I paid off 2 charge offs with 1 bank. But only 1 credit bureau (Experian) has it as paid. Transunion says derogatory, and Equifiax says charge off. Aren't ... |
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 Does anyone know where I can get a credit card with poor credit? |
| I just got out of bankruptcy and my credit needs rebuilt, but I cant seem to find anyone to give me an unsecured credit card.... |
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 My first credit card.? |
| I'm 18 and still in highschool but I've had a job for the past year. I applied for a credit card a couple days ago and got approved for a $500 line; my whole plan is to buy one thing a ... |
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 I am 19, and honestly am in credit card debt, my questions are below.? |
| Ok, I stupidly applied for two credit cards, which I should not have done. One is a Trump Visa, and the other is just a regular Visa both through Chase Card Services. Both of the cards are either ... |
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 Why is my check on hold? |
| i am currently banking with wells fargo and i deposited a check from allstate insurance company for $6500.00 and they put a hold on it and gave me $100.00 of it... now i know that the check has ... |
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 How long does it take to get negative items off your credit history? |
Do they just disappear after a certain number of years? I've heard that and never knew. I actually don't have any on my credit, thank God, but I'm just curious.
Thanks. =)... |
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CW | How long does it take for a negative mark on your credit report to drop off? |
I had a great credit score until there was a mix up with a cable service that I cancelled but still billed for. I now have (2) derogatory items on my report. I am in the process of disputing this issue with the billing company and the (3) credit bureaus. I am just curious as to the "worst case" scenario. If the dispute does not go my way and I do indeed need to pay this bill, then the negative marks on my report will stay. How long before they would fall off the report? |
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SPIFIMAN1
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Collections show on your credit for 7-years weather you pay them on not. |
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serendipity
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hey there it is seven (7) years.
however, that is from the date when payyments are started to be made regularily. if your good for a few months and then skip for a few your 7 starts over again
try and consolidate your debts and get rid of as many credit cards and store cards as possible
good luck |
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Crazy cat lady >^ ^<
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7 long years...maybe you can negotiate a deletion if you do get it in writting. |
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vpalexander
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You are entitled to one free credit report from each of the three major reporting agencies each year. They will show the drop-off date (7-year decay) for all items.
Here's a link to get one of them online (all 3 will basically show the same things): |
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shortruby715
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It is 7 years but 10 if its is bankrupcy. |
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Here's To 2009! =]
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♥ Its good that you are disputing this because it needs to come off your report if its not correct. However if they find that you do need to pay & that it stays on your report then it stays there for a total of 7 years... Good Luck! |
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RD119
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i think its 7 years, God I hope im wrong. GOOD LUCK TO YOU! |
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Ted
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Probably seven years. Note that recent activity is weighted more that ancient activity, so a problem years age won't affect your score much, even if the information is still on the report. |
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OC1999
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Negative information will remain on there for 7 years from the date of the item.
Since this is a Cable bill the chances are that it is just the collection account that is on your report. So if your dispute does not go through you may have to pay it. But before you pay it you need to have an agreement from them in writing that they will remove the item from your report once you pay it in full. |
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Studly
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This question gets asked at lease every 3-4 days.....at least most of the people answered this right for a change.
serendipity, of course, has to ruin a good record! Another responder who doesn't have a clue and won't research their answers first.
Negative items stay on your credit report for 7 years, beginning from the date of the delinquency. They do not restart after you make a payment.
What you can do is negotiate with the collection agency....in exchange for paying this debt make them delete this entry from your credit reports. |
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