 Is there any advatage to making an extra mortgage payment per year? |
| I've heard that if I have a 30 year mortgage, making the extra payment can take close to 10 years off the mortgage.... |
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 Do you think i will get the auto loan? |
| i have fair credit, my credit score is 604, i make about $800 a month and i had a cosigner who has a credit score in the 700 and makes $1500 a month, im trying to finance a car for 14,000 and im ... |
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 If you owned a Dollar Store - would you hire someone with bad credit? |
Someone that has a car about to be repossed if they don't make the payment?
Someone that has bill collectors after them?
Legally, I would have a right to check their credit reports, ... |
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 25 y/o in serious debt? |
| I would like to purchase a home someday. Will I ever have decent credit if I pay off my debts?... |
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 Prepaid visa (how does it work?)? |
| Can I buy something that costs less then I've got on the card, and have a balance remaining or do I have to use it all at once?... |
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 Where can i go ONLINE for a FREE CREDIT REPORT...? |
i have done one online before but it only lets you do it one time for free and i did it like years ago so i cant do it again
Additional Details
i am in the uk...as some has posted me a ... |
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 Where can I get info on a credit company that will join my all credit card debts into one? |
| I've been having financail problems which enables me to pay my credit card bill so I'm am looking for a credit card company that will put all my credit cards all together into one single ... |
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 Credit card debt? |
| sometime in oct i brought some books of ebay with my credit card and havent use the card since then. yesterday when i try to use it and a restaurant it was declined. So i called the company and ... |
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 What happens if i schedule a payment,but then take out the money...? |
| ok,i owe a credit card money,i told them i'll have lets say $100 in my bank acct for them to take out by the 18th of jan. But i now need thoses $100,what happens if i take the money out even if ... |
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 Can you get Guaranteed Credit limit of $7500? This is what they promise? |
Can you get Guaranteed Credit limit of $7500? This is what they promise. Never tried and just curious if that is true. Here is the link:
http://loanslowcost.com/... |
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 CA divorce - Can I run a credit check on my ex? |
| Our divorce was in CA. I have an attorney. My ex stated he has not worked in a year. He is buying a $550K condo now. I want to prove this all to the Judge. The judge did order copies of front ... |
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 Is it possible for parents to see a list of stuff they bought via credit card? |
| I don't want my parents to see what I'm buying. Do they see what is bought in any way?... |
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queenmarylady | How long does negative credit stay on your file? |
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jtwb568@yahoo.com
 |
It actually depends upon what the negative credit ding is for. Some things fall off the report after as little as one year. Other things (student loans, etc.) remain on the record forever and can always been found if the person running the credit check knows what to look for. Bankruptcy hangs out seven to ten years depending upon what the judge's Order directs.
Also, remember that if you write a letter to a credit bureau challenging the validity of a negative entry on your credit record, the creditor has 30-45 days to provide PROOF of the bad debt. While credit card companies are quick to provide proof of a debt to them, other creditors miss this deadline frequently. If the deadline is missed, the negative comes off of your credit report. This removal may or may not impact your credit score. |
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love to help
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7-10 yrs |
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channien
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No longer than 7 years, however they may remove some after 5 years. If you get a copy of your credit report, you can dispute everything on it, and you just might get it all removed. I did it, and I got everything except for one item removed.
Transunion
Equifax
Experian
These are all the places to request a copy of your report from, and you have to wright in disputes to all three companys or you can just do it online, it'll only take 15 min, or so. |
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legermarianne
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Public record information such as from court records related to bankruptcies, tax liens, judgements, and in some states overdue child support payments. Bankruptcy information can remain on your credit report for up to 10 years, and other public record information for up to 7 years.
Inquiries, which are the names of everyone who obtained a copy of your credit report for any reason. The inquiries section contains a list of everyone who accessed your report for up to two years. |
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jbone907
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depends what the negative is. Generally, seven years but a bankruptcy will stay for 10. |
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♥~Kia~♥
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7 years or so. |
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Ebuddy
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It depends on the nature of the negative item. Bankruptcy, judgements and tax liens are SUPPOSED to stay for 7 - 10 years. Late payments will generally stay for 2 - 3 years. Keep in mind that these are resolved (paid) items. Anything unpaid *could* stay on your report until thay are paid.
As time passes, as long as you keep current on your payments, the negative effect the resolved, negative things on your credit report begins to diminish.
Good luck! |
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Ed
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Until its positive. |
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~summerfling~
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FORRREEEEVVVEEEERRRRR
haha jk
idk |
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