 I paid off all my debt at the end of May & beg. of June, can lenders already see this in my credit report? |
Additional Details
I checked my credit report online recently (with equifax & a couple of others) and it showed that I had zero balances. Is this what lenders will see?... |
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 What could someone do with my credit or debit card details? |
| I mean all the numbers, names, expiry dates, etc on the card. Surely if someone used them online to buy something, the police could just check who or where it was delivered to and catch the crook? Or ... |
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 I'm 18, a freshman in college, and I want to get a credit card to build some credit...one problem...? |
| I would like to get a credit card just to build credit while I'm in college, so when I get out I have a head start if I want to purchase a vehicle or a house in the future. I would only use it ... |
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 I need some advice please...(please only answer if you read ENTIRE QUESTION)? |
| I need to know what I have to do to get my own credit card (from start to finish). I am 22 years old and I still live at home. I already have 2 mastercards and visa card that my dad gave to me when ... |
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 Is having 4 credit cards good or bad? |
| List the good about it, and list the bad about it.... |
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 Can u go to jail if u cant pay credit cards and wat can happen if u dont? |
| I have 6500 dollar credit card debt that i was paying without a problem and i was also paying my car perfectly as well but as soon as the school loan came i can not aford to pay them all. i can pay ... |
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 Can a person with no job and bad credit get a real estate-backed loan? |
| I would like to know if a person who has no job, bad credit but a big equity in his house can get borrow money against his property. Is it possible?... |
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 Co-Signing? |
My sister is in debt and would like to consolidate. The catch is that she would like me to co-sign with her on the loan.
I don't know alot about co-signing but I do know the risks ... |
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 Bank of RIPP OFF America? |
| I just got a $35 late fee on my credit card account because I went into the bank on Saturday and handed them my payment rather than making it over the phone!! When I called customer service she had ... |
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 Fraudulent Charge on Credit Card? |
| I have a fraudulent charge on my credit card bill. I spoke to my credit card company and they said they will cancel the card and mail me a new one, and they will investigate this charge. I have ... |
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 I need to get a personal loan with no credit check for 18000.00 dollars? |
| can anyone tell witch site i can go to so i can get approved.i will nogo threw any of those credit or debt managment programs.and i will not refinance my home because my husband has no idea i have ... |
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| Does anyone else have problems with Temp Agencies? |
| I have applied for jobs at a few different Temp Agencies and they never call me back. I always have to contact them . I thought it was there job to find me a job?... |
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 Is Transunion the only credit bureau that matters? |
| Seriously, about a little more than 100% of all important business check your credit report from transunion. Whats the point of the other Experian and Equifax? I looked at all 3 reports and all ... |
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 I paid for a hotel with my debit card, and the hotel still hasn't taken out their money it has been a month? |
| I went on a small vacation and stayed at a hotel i put the bill on my debit card (as credit) and the hotel still hasn't taken their money out. i left the hotel on 7/26/08 i had stayed the ... |
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zoedriskill | How many years can a creditor come after someone to pay? |
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answerguru
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Depends on the state, but in reality they can come after you forever if they don't let the lone go into default. |
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jessigirl00781
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They can come after you forever if they wanted to. But depending on where you live, your statute of limitations (SOL) give a time until they can sue you for your debt. For instance, VT (where I live) the SOL is 6 years. After my 6 years is up, they can no longer sue me and after 7 years it comes off your credit report anyway. You can always send them a "Cease and Desist" letter after the SOL and they LEGALLY have to stop harassing you. |
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Man of La Mancha
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States have different status covering debt. Generally is 5 to 7 years, but it is basically counted not from the date you made your last payment but when was the last intent to collect and then no more collections that the years start counting. |
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icsowesmemoney
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THE STATUTE OF LIMITATIONS VARIES FROM STATE TO STATE. IT RUNS FROM EITHER THE DATE OF LAST CHARGE OR THE DATE OF LAST PAYMENT, WHICH EVER WILL GIVE THEM THE MOST TIME. IF YOU GET SUED, THEN THEY CAN LEGALLY COME AFTER YOU UNTIL THE JUDGMENT EXPIRES, WHICH IN SOME STATES CAN BE OVER 30 YEARS. IF IT IS A JUDGMENT, IT WILL STAY ON YOUR CREDIT UNTIL IT IS SATISFIED OR EXPIRED, YOU CAN'T BUY A CAR OF A HOME WITHOUT PAYING THE JUDGMENT OFF.
EVEN AFTER THE STATUTE EXPIRES THE CREDITOR CAN STILL ACTIVELY COLLECT THE DEBT, THEY JUST CAN SUE YOU.
ALSO THE STATUES CAN "STAY" IF YOU LEAVE THE STATE AND RETURN (IN SOME CASES) OR IF YOU FILE FOR BANKRUPTCY AND IT IS DISMISSED.
GOOD LUCK |
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lovemykalli
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Pretty much forever! |
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Iron Rider
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I believe the limit is five years, but there is a trick to that, something to do with the date it is filed. |
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mrssainsarg
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They can come after you till it is paid. They can only report it to the bureaus 7 years after the last transaction on the account but a debt remains valid until it is paid. I have worked for a company that bought 20 year old debt and some people actually do pay, they recognize the account and state yes that was mine and some do and some don't but they can come after you as long as that paper igsist that you owe something to someone. |
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mariapalooza
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If you really want your debt to go away, and you can't pay it down, you need to file for bankruptcy. Then the creditors have to leave you alone, and they can't sell your file to someone else. Otherwise, they will NEVER leave you alone. |
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explodingcanary
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I've heard 7 years, but the catch is, they can sell the debt to a collection agency & it is considered a new debt. This can pretty much go on indefinatly. |
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nickiss
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7 years is how long the derogatory info stays on your credit report.. then it would be deleted.. and good bye creditors |
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