 Do my parents see everything they bought on the credit card after they buy it? I really want to use it without |
| ok so there is this game on the computer and u can get credits to buy clothes but you have to buy them. and my parents probably would not buy me them. i want to take their credit card and use it. it ... |
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 Will opening a secured credit card improve my credit rating? |
| I have heard that applying for a secured credit card (setting my own account spending limit) will help improve my credit score. Is this true? And how does that make any sense?... |
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 How can I get a $15,000 loan if I have horrible credit?? |
| I own my home, have about $15,000 in credit card debt and I am DROWNING. I can't make my monthly payments and I really can't think of any ways to get any extra cash in order to pay them. I ... |
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 With a score of 500, is there a reputable mortgage company that will finance a mortgage for me today? |
| i have no bankruptcys but i have collections out the @#! anyway, these collections are from companies that keep updating my report as though I am late this month when in fact it's from 2000, i�... |
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 I got a loan and I lost my job and I m thinking to go back to Italy what happen if I dont pay the loan ? |
I dont have intencion to come back to the UK ant earn in euros and pay pounds it is hard can they do something to me if I m going to anoither country in europen union plz help
Additional D... |
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 How do i rebuild my credit? |
| I filed chap 7 in Nov 2004, was discharged in Feb 2005. How do i go about rebuilding my credit and raising my score. I would like to purchase a home soon. I have noticed that some of the creditors ... |
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 How to get out of credit card debt without paying? |
| I want to know how to get out of credit card debt without paying a dime or filing ... |
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 Credit Cards??? |
| Ok I have a question about credit cards. I just got a new credit card to pay off another one because it has 0 % till Jan 2009 on balance transfers. I got approved for $8,000.00 (by the way I have ... |
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 Banks / Credit Scores etc.? |
I want to apply for a bank account but I don't have much of a credit record. There's nothign negative - just nothing much at all.
I have tried with First Direct and they refused me ... |
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 Is my debit card a credit card? |
Hello every one.
i opened and account with key bank.
In order to get a free ipod!
as part of the promotion i had to apply
for a key bank credit card!
a debit card ... |
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 Something is on my creditcard bill I didnt buy!!!!!!!!!!!! |
| I was looking at my credit card statement, and there is somthing on there that I didnt purchase, I am really scared, is this going to happen all the time? What should I do? I called my credit card ... |
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 How do you get out of debt faster? |
| I'm in desperate need of help. My issue is that it doesn't seem like my credit card debt is going anywhere. I can't afford to pay much more than I am each month and it's always ... |
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 Can credit card companies sue an estate of someone who has died to collect outstanding balances? |
| My father in-law has incurable cancer, and outstanding credit card debt of about $55K. Can the credit card companies sue his estate or children to collect the outstanding balances on his accounts ... |
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 Should my fiance cancel her credit cards after we get married? |
| I currently have an excellent credit score, and my fiance has a very good score. We both have had credit cards for 3+ years, and when we get married i wish to keep our credit cards and finances ... |
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 Can anybody help me?? |
| i tried to open a money market account but i couldn't because i had a negative rating on my credit report..so i contacted Chex Systems and it said that i was overdrawn $160 with an account i had ... |
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renner | How long does it take for bad things on your credit report to get off? |
I have an unpaid credit card from about 5 years ago. I was very irresponsible then, but now, I don't know which credit card it was or how to contact them. Does it ever go away and if so, how long. I've heard 7 years, but I'm not sure. |
 |
 
echo
 |
There are two different types of statute of limitations (SOL)
One is a reporting SOL (credit reports) and the other is the collecting SOL.
With credit cards, both SOL's start running the first time you became 30 days late and never brought the account current.
The reporting SOL is 7 years from that date.
The collecting SOL depends on your state statutes.
If you are still within the collecting SOL for your state, unless you want to pay the debt, don't do anything on that account. Don't dispute with the credit bureaus. Don't send letters (or call) to the original creditor or collection agency. |
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wpgcoder
|
Yes... 7-10 years.. however... you can start rebuilding your credit and have it perfect within a 4 years after bad credit.
Two or three years after you've filed bankruptcy, you'll want to start rebuilding good credit. How, you ask? Apply for secured credit cards. Preferably cards without annual fees attached to them. Do your research on the internet to see what others have done in similar situations. If you come across an offer which looks to good to be true, it most likely is. Use discretion when giving out Social Security numbers and personal information online.... I learnt all about credit from my source below |
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TC
 |
I always thought 7 years. Is the 10 is for a bankrupty?
Also the older a problem is the less importance a lender will place on it. |
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lost in love
 |
It will not go away till you pay on it.after that 7 years. |
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littlebettycrocker
|
7 to 10 years depending on what is on it. Go to: annualcreditreport.com |
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bella_4624_19
|
7 years for a credit card, if you do nothing. You can also dispute and seek validation if you want to work on improving your credit. If for some reason the trade line does not come off after 7 years, you simply dispute it with the credit bureaus as "obsolete". |
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sheri g
 |
Seven years is pretty accurate but depending on the company it can be refiled on your credit report year after year. What happens is the collection agencies buy the account and they get a % if the overdue bill if they collect on it so it can hang around if it's a substaintial amount. |
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SAL
 |
From 7-10 years depending on what the "bad thing" is. It has nothing to do with bankruptcy. You have the option of writing 100 word statement to each of the reporting bureaus explaining why you were negligient with your payment. It's helps a little when your credit reports are reviewed. Request copies of your report from all agencies and review to make sure it's on there. Then you can also try to dispute the item. This will give you more information on who holds the debt etc. |
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4ever21
|
7-10 years very long |
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Michael S
|
10 years |
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