 Decent credit cards? |
| I want to apply for a credit card in case of emergencies (serious ones, not "OMG I need new shoes charge it" ones) Like if the car breaks down and that kind of thing. I know I may not get ... |
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 I cancelled a credit card an hour ago- can I call them to open it again? |
| I cancelled a CC- an hour ago now I realize that maybe I should have just kept it open even though I have not used it in 3 years. It has been open since 2002 and had a credit limit of 9500- can I ... |
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 Can a collection company send local authorities to arrest you for not paying your credit card payments? |
| My husband was threatened today by a collection agency stating that they were sending a officer tomorrow to take him to jail for not paying his credit card. I have heard that this is how they try to ... |
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 Will a collection agency sue me over $7,000 debt? |
| I have debt with a walmart credit card for $7,000. They have sent it to Encore, a collection agency. Will the collection agency sue me for this amount of debt. I don't own anything of ... |
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 Can i be turned down for a credit card because i did not provide my social security nunber? |
| I went to a local store and I was told that my application could not be processed if my social security number was not ... |
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 I may be moving out of my hometown, should I cancel credit cards? |
| I will be moving to a city that doesn't have some of the stores that I currently have credit cards for. I know you shouldn't cancel or close the account because it messes up the credit. Do I... |
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 What would a credit-card company do if i refused to pay? |
| if i just said "look, the risk of non-payment was yours when you gave me the card, I can't afford to pay it back and you will have to write off the money?"... |
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 Bank Account..does anyone know if i can open one even though i have an overdue on another account they closed? |
| I used to have an account at wells fargo, but i had an overdraft and they didnt even give me a chance to pay...then a month later they shut the accound and gave me a letter sayinf it was send to a ... |
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 If I max out my credit card every month and pay in full every month will that hurt my creidt score? |
| My Limit is $2000 and I use my card for all my necessary spending i.e. rent, utilities etc.... if i charge $2000 on the card and pay it in full every month leaving no balance will that hurt my credit ... |
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 Question about collection agencies? |
Can collection agents actually come to your house and harass the hell out of you?... or is this just a scare tactic?..
Additional Details
Why do some people say Yes and others say NO?? P... |
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 What's in your wallet? |
| Well, that is what that card place asks.... |
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 Credit Card Debt? |
| What is the best way to get out of debt? Is condolidation the real answer? I've really gotten myself in a mess. I have a decent job, but with raising three kids and EVERYTHING being so ... |
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 Do think I'd be able to buy a house? |
I'm 25, and I earn £39,000 (before deductions).
I have one credit card (the balance is currently 0).
I have no loans (apart from student loand which I don't think ... |
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 Is it better for your credit report to close credit cards or leave open (& not use them)? |
My son has a few credit cards that he doesn't use and wants to close them out. I was told that closing them will affect your credit rating (in a negetive way). True or false?
Additional D... |
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jennifer88310 | How long does it take for late credit card payments to clear up on your credit? |
We had a late credit card payment from 2 diffrent credit companies. Its the only thing stopping me from getting a good loan for my home. After they clear up, how long does it take me to restore points? |
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mkulda
 |
Well, you may be misunderstanding credit scores a bit.
There is no magic timetable where you hit a magic date of so many months or years after the late pay and you get all your points back on your score.
It's a graduated scale...and the longer away from the current time that you had a late pay, the less it factors into your score.
In other words, as long as you keep making timely payments each month, you are going to get an incrementally better score. Every month, you'll be earning more points as the bad information gets older and older and your newer information is good.
The fact it was from two different companies is going to hurt a bit. Creditors are more willing to forgive one bad credit info as an anomoly...but two starts to show a pattern. |
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luciousgreeneyedlady
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As soon as the credit card company informs the credit bureaus that your not late anymore. The account will then probably say: was 30 days (or however many days late you were) late, now current. |
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pointless74
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same as above answer |
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ML
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the last payment posting never go away. If you pay late they report it and it is part of the record. If you want them removed close the account and wait seven years. Other wise the longer you keep the cards open the less effect they have on you.
EX: 2 lates in 1 year or 2 lates in 5 years |
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brianbelotti
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7 years for it to "fall off" your report. But make all your future payments on time and it will improve your rating. |
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treasureisland85
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They never really come off unless it has been like 7 years and you have to ask to have them removed. |
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smiley20903
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one a payment is reported in derogatory 7 years.... |
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Renee W
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Mine took six months to a year. I know that's a long time, but after I started making my payments on time it cleared up fast. |
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albertferrin
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Late payments may come off if you dispute.You loan officer also can help you if you have document to clear up the late payments. Late payments do drop your scores but you can raise your scores by asking a good loan officer.I have programs that raises credit scores10,50 and 80 points if that what your looking for and everything legal."ajf.funding at gmail.com" |
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sittin.on23s
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usually 3 days |
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Everyman
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2 to 3 mo |
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