 What does my credit score have to be to be approved for a home loan? |
| I am restablishing my credit because I want to buy a home. My credit score now is 550... |
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 How can i get out this credit card debt ? |
| I don't have a job right now i can't pay my bills everybody is calling me to make a payment i can't give them what i do't have. one company has sent me execution payment request ... |
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 What can I do to improve my credit, so I can get a loan? |
| Got denied credit because of 3-4 unpaid very old debts that have been turned into collection agencies years ago. (3-5 yrs) The total is low, and they are hospital bills and a cell phone bill. Peoples ... |
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 I have several credit cards from years ago that I never was able to pay? |
| I am always getting letters telling me to pay the debt and the amount keeps getting higher. I am not able to pay these off in full. What should I do? What can the companys do to me if they are not ... |
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 If you default on your credit card,can the card company sue you? |
| Say you have about $3500.00 on one card and $3500.00 on another card, can you be sued for not paying?... |
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 Is 14.99% interest rate ok if you are new to credit cards? |
| it's 0% for 6 months,then 14.99%,it has variable rates,14.99% or the prime rate plus 9.99%.... |
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 What can u do if the bank agents are harassing your family coz of overdue payment? |
| I have a loan which I wasn't able to pay before I left my country 6mos ago..but is willing to settle it.The thing is the company is harassing my family..what is my legal right on this? please ... |
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 Can I get a realistic answer for getting out of debt? |
| I have read and listened to numerous "get of debt" solutions. Are these books for real? The rolling affect of once a credit card is paid off put that payment on the next credit card and ... |
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 Where can I find a good interest rate on an Auto Loan if i have bad credit? |
| I recently bought a car and my interest is 25%! That is horrible. . but I needed a car VERY bad. Where can I find a place that will finance someone with bad credit. . but have an interst rate better ... |
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 I'm being sued by an old credit card---! Help? Advice? |
Anyone been through this?
What can I do, and can they get any money from me?
It's an "unsecured" card, not tied to a bank account.
Should I declare bankruptcy---or is ... |
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 Will my bad credit affect my boyfriends good credit if we get married? |
| I have HORRIBLE credit, and my boyfriend has near perfect credit. He owns our home, and vehicle, has a few credit cards, as well as a decent amount in savings. And I'm wondering if we get ... |
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 I have very bad credit but truly need a small loan of about 5,000...? |
| Is there anyone who can lead me to the right lender and please no links to Prosper.com!!!I tried and they were of no assistance to me because of my credit. I hate payday loans and they really have me ... |
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Lolly | When having a credit check carried out how far back are they checking history? |
Having a credit check carried out by the letting agency which im applying for to rent a flat. Worried about failing the credit check, does anyone know how far back they check when doing this and what thay are checking for? |
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nethnee
 |
five years I think. As far as i know personal data cant be kept for more than five years, |
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GoldieMeg
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I think that if you have been living at your present address for 3 yrs or more they won't check at your previous one.
They are checking that you have paid all of your bills on time in the past and don't have large arrears. |
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KidBao
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They're supposed to be able to go back up to 7 years. Some things may stay on your record further, but I think if that's the case, you just have to write the credit reporting agency and have that removed.
I had an issue where an old debt that was in collection for a long time was paid off, then 3 years later, they decided to report it to the credit companies as being paid. So the debt that should have been gone from my credit report was still showing up 3 years after is was supposed to have been removed. The credit card companies are unscrupulous (sp) |
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angie
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it'll be your most recent but there will be credit ratings off 5 yrs ago.....they are checking you have paid your creditors regularly with no missed payments or out standing debts not paid, also if you have used credit cards to get cash instead of purchases because that also puts your ratings down. |
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Margaret K
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Credit information stays on your report until it is dropped. Negative credit information can stay on your report up to 10 years from the date last active. Recently, laws were put in place to stop creditors from continuing to report bad debt after it had been settled. This was rolling the date and keeping information on credit reports much longer than allowed which continued to drag down credit scores. You don't care if good information stays but you should always make sure that the negative information is removed after the time limit is up. Anyone reviewing your credit is looking for payment history on previous credit, deliquencies and how often and how late, and any collections. |
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beauty s
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maybe like 7 years or so.. |
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Lisa
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its 6 years |
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smurf
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I am renting a property at moment, i had these checks carried out by the letting agent, the credit check they do is very basic, they just make sure you have no ccjs and are not bankrupt, I have plenty of late payments for my credit card but id didnt show cos i still pay my bill every month, they check the last 3 years history. I even had a default on my credit history but it did not matter. good luck |
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DARREN S
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They go back up to 6 years
they look for
defaults
late payments
ccjs |
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Marsha Mellow
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7 years, in america...i believe. i'm not sure in other countries |
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Irvin
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If you have negative information on any of your credit cards, that information will be on your credit report 7 years from the date of last activity. It will be visible to any body who is doing a credit check on you. |
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