 How do you get credit? |
| I.E. to buy a car, make a loan, etc.... |
|
 Building credit with Credit Cards? |
| Do you need to pay late or skip a payment to build credit? I have been told that if you always pay your monthly bill on time and never let any interest get attached to your balance, you don't ... |
|
 Stop paying credit card bills? |
Hi,
I recently visited a BK lawyer and he said just don't pay them any more.
I have several small balances.
Capital One 600
Providian 1000
Orchard Bank 300
Bank of A... |
|
 Which is worse - real bad credit or filing bankruptcy? |
Additional Details
and why? Does anyone know for a fact?... |
|
 Why do people think having (good) credit is a "good" thing? |
Having credit means you get a purchase or loan and defer the payment. In other words, you *owe* money or whatever it is you use to pay, trade, etc.
This usually comes with some sort of ... |
|
 Can you get credit cards with a credit score of 650? |
| I just checked my credit score and it has gone up from 570 to 650 in two years. What could I expect if I applied for a credit card or tried to refinancing my home with a 650 credit score?... |
|
 So, i'm having an argument with my friend? |
| about identity theft. i just don't understand how people get away with it. say someone opened a credit account using someone else's info and made a bunch of purchases online with it...... |
|
 Paypal question? |
| i signed up for paypal yesterday and on the paypal website it ways that they have deposted the funds into my account for the acount setup but when i look at my online banking to see what they are it ... |
|
 Should I get this mastercard with these fees? |
Fees for Issuance or Availability of Credit Account Set-up Fee: $29.00 (one-time fee)
Program Fee: $95.00 (one-time fee)
Annual Fee: $48.00
Monthly Servicing Fee: $84.00 Annually++
... |
|
 Hi i want to take a 10000 loan out start the new year a fresh and all sorted willing to set DD up etc? |
Hi there I want to start new year afresh willing to be open to offers re interest etc anyone genuine be able to help
make our life such a difference
had ccj so bank ... |
|
 What is the best bank? I want to open an account and get a debit card? |
| Are there any banks that are offering special deals or gifts when you open a new account right now?... |
|
 I screwed badly, I have $7,000 USD in debt with my Credit Card and no money to pay it back...? |
| Credit Card has been cancelled, and I receive a lot of calls from Colection Agency ... what can I do?... |
|
 We have 15K debt from 3 credit cards? |
we have 3 credit cards and 2 of them carry a debt of 6500us$ each reaching max. credit limit of 6500us$ from bank of American and one credit card from capital one having 2000 debt...
we want to ... |
|
|  |
randbj41811 | How long will it take to get bankruptcy and charge-off erased from my credit history? |
Please tell me the approximate number of years. 10 points! |
 |
 
gtofinancial.tomvoli
 |
7 years is the time it remains on the report.
Here is some additional info. Hope this helps. |
|
canadian_dave23
 |
7 Years In Canada and the USA you might want to call a bank if you're outside North America |
|
shadowcat629
|
7 years for bankruptcy, and charge off's usually you have to take care of them and as soon as you do they disappear. |
|
OG
 |
7 years |
|
cmeduck
 |
I'm pretty sure bankruptcies are 10 years and everything else is 7 |
|
Gregnir
|
Different countries have different rules and regulations; generally speaking, in North America I believe it's seven years. |
|
JFAD
|
Your bankruptcy can be accounted on your credit report for 10 years from the lodging of the case. The notation that a debt is charged off does not necessarily mean it is not legally enforceable. "Charge off" is essentially an accounting term that indicates that the creditor doesn't expect to collect the debt; a charge off alters the creditor's income for tax purposes. It does not relieve the debtor of legal liability for its payment.
Under the fair credit reporting act, you can confront information that you consider is imprecise. If the reporting organization can't bear out the accuracy of the information they have to eliminate it.
§ 605. Requirements relating to information contained in consumer reports [15 U.S.C. §1681c]
(a) Information excluded from consumer reports. Except as authorized under subsection
(b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:
(1) Cases under title 11 [United States Code] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report BY MORE THAN 10 YEARS.
(2) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
(3) Paid tax liens which, from date of payment, antedate the report by more than seven years.
(4) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. |
|
caucasian
 |
7 years as far as i know |
|
Say What?
 |
Depends on the type of bankruptcy.
Chapter 11 = 7 years You pay back some debt
Chapter 13 = 10 years Slate wiped clean - no payback
Others = unknown |
|
David D
|
I found some good info here. |
|
Chillypepers
|
in South Africa it take 5 years |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 5 minutes(s) ago
| | | |
11 | 16 minutes(s) ago
| | | |
11 | 44 minutes(s) ago
| | | |
11 | 54 minutes(s) ago
| | | |
10 | 1 hour(s) ago
| | | |
11 | 4 hour(s) ago
| | | |
11 | 7 hour(s) ago
| | | |
11 | 8 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
11 | 4 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
