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Negative entries on your reports, except for bankruptcies, can only be reported for 7 years +180 days from the date of first delinquency that immediately preceded placement for collection and/or charge-off. If there are negative entries that are beyond this period, dispute them as obsolete with the credit bureuas.

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โˆ™ 2006-03-04 17:27:03
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Q: Do debts or loans on your credit report such as medical bills get erased within 10 years even if you do not pay them off?
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Is bad credit erased in 7 years?

NO. If you have bad credit, it will only be erased if you make it better. Paying bills on time, paying more than is due on payments and staying within your spending budget is a way to build your bad credit into good credit.

How to cite a report within a report?

Just give a credit to the report you have added to the main one.

Is medical report needed before flying within US?

I have never had to provide a medical report when flying within the USA - so I would think not.

How often are you entitled to a free credit report?

You are entitled to a free copy of your credit report once a year. But you may also receive your credit report for free if you were denied credit or employment within the last 2 months.

How do you remove a false charge off date from your credit report if the date was reset from the original?

You can have a credit dispute, if the agency reporting the bad judgment does not get back with the company disputing the judgment within 30 days, it HAS to be removed from your credit report. Example: I filed bankruptcy(?) on a auto repo. and the company did not take it off my credit report, I had my credit card company do a credit dispute, they did not respond within 30 days, and it was removed from my credit report.

How can you obtain a copy of your free yearly credit report?

You can obtain your credit report, on line ready for printing, at: or call 877-322-8228 and your credit report will be mailed to you within 6 weeks.

How long is a credit report good from the time of mortgage application?

The loan will need to close within 90 days of the issue date of the credit report.

Federal Law Requires One Free Credit Report?

The Fair Credit Reporting Act requires the credit bureaus to give you one free credit report for several reasons. You have found incorrect information in your credit report that has led to credit being denied. You are receiving public aid. Your credit report has fraudulent information leading to errors. Presently unemployed, you hope to get a job within 60 days upon your request for the credit report. On top of this, the law requires that for every year, the credit bureau must comply and furnish you one credit report. It is your right.

How long does a credit report take?

If you do it by mail then within a week. If you do it online then it's instant.

Do you have a right to know what is in your credit report?

The law says you do. The FCRA says you are allowed to have 1 free credit report from each credit bureau every year. If you want more than that, you can purchase them or dispute something on your credit report and you will be furnished with a new one. Yes. Anyone who takes action against you in response to a credit report supplied by a Consumer Reporting Agency (CRA) � such as denying your application for a credit card, loan, insurance, or employment � must give you the name, address, and telephone number of the CRA that provided the credit report. The CRA must tell you everything in your credit report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year � two years for employment-related requests.

Where can a free copy of a recent credit score be obtained?

A person can get a free copy of their credit report score from Annual Credit Report. A person can request that information by phone or by letter, which should arrive within two weeks.

Do medical bills count as bad credit if in collection?

Yes, they do. i recently checked my credit report and there was a fee i had disputed that my insurance was supposed to cover. even though it was paid, it was still a ding on my credit. i was able to contest the entry and get it removed. Also, once you contest an entry on your credit report, the company who reported you has 30 days to respond. If they dont respond within the 30 days the entry will and must be removed.

Letter to Request a Credit Report?

Get StartedIf you have been denied credit or if other adverse actions regarding your credit have been taken based on your credit report, you may want to obtain a copy of your credit report and verify the information contained in it.The purpose of the Request for a Credit Report letter is to assist you in obtaining a copy of your credit report, particularly if you have been denied credit, employment or insurance within the last 60 days. The credit report tells how you have managed credit in the past and companies examine your credit report before deciding whether to give you new credit. You can request a copy of your credit report by sending a letter to a credit reporting bureau.When you receive your credit report you should carefully review it. You have the right to respond to a negative entry on your report, to have errors corrected, or to have your response made part of your credit report.

Are the medical bills on credit report removed after clearing the bill?

Removing or say that information would be removed for repayment of a debt is not legal. If your bad medical debt was reported to your credit, then your payment and the status of the debt would be updated by the collections agency typically within 30-60 days. It will still appear on your credit but as a "paid" or "settled in full" status and zero balance due.

Who do you report a doctor who is over prescribing medications to?

Within the US, the American Medical Association.

How long takes to affect your credit the late payments on your house?

The lender is likely to report this to the credit reference agencies within a week of the default

What is an open account listed on a credit report?

Open Account - account listed as "open" on your credit report are accounts that are open, includes all accounts that have been reported within the last 90 days.

How often can you get a free transunion credit report?

Transunion offers a 7 day free trial within which you can check you credit report as often as you wish. After this initial period a monthly subscription charge applies.

Who can a patient care report be given without prior written authorization?

Patient reports (in Australia anyway) can not be accessed by the individual but anyone within the medical profession ie: nurses, doctors can access anyone's report - providing they work within that medical establishment. If someone wants to have a look at a medical report, say at a doctors office they can ring up and request over the phone the report. Hope that helps

Does a eviction take under six months to show up on your credit report?

An eviction my never show on your credit report. It may show within weeks depending on the time of submittal. Generally credit reports are updated four times ayear.

The Unemployed Are Entitled to a Free Credit Report?

If you have been unemployed, under federal law you can get a free credit report. The law specifies that you can get one free credit report every year. It also says that if you are planning to seek employment within 60 days, you are also entitled to a free credit report. When you request the report from one of the credit companies, you must show evidence that you have been unemployed. This is none by sending a copy of your unemployment check or a similar document showing you are not working.

If you pay off an enormous credit debt within a year will it be completely off your credit report once it is paid off?

Every credit company and lender is required to repost to the credit bureaus monthly so it will show a zero balance within a month of paying it off but it will not be completely off you credit report. It will still show the company and original balance of the loan but it will show that the balance is at zero and when it was paid off.

Can you request your credit score after a company pulls your credit report?

Absolutely. You can request your credit report anytime you want. If the company that pulled your credit report denied you the credit you sought, by law, you can get a copy of your credit report free if you request it within 30 days of the denial. You are also permitted to get all three of your credit reports once each year free of charge. If you have not requested your free credit reports in the last year, you may call 877-322-8228 and request them. They will arrive in 7 - 10 business days after your order. Understand that these are your credit reports only. They will not include your credit scores. They will only include the subscribers that report to the credit reporting agencies and what they reported about your financial behavior with them.

If I apply for and obtain an auto loan now will it show up on my credit report within 1 week?

Yes, it will.

Is debt settlement bad on your credit report?

Debt settlement will have some bad effect on your credit. When a debt is settled for less than its full value, the creditor will note that on your credit report. The damage is much less than you'd experience with bankruptcy or default, and in most cases your credit will improve within a couple of years.