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Late Payment on Apartment LeaseA lease will not show on your credit report; unless there was a judgment against you.
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Q: How does a late payment on an apartment lease affect your credit rating?
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How long will settled debt affect your credit rating?

seven years from the date of last payment.


If a defaulted student loan is consolidated with repayment at 0 does this affect credit rating for non-payment?

No, if you receive an income sensitive repayment plan after consolidating and the payment is $0 because of your dependents and income, then it will not adversely affect your credit score.


If you made a couple of late payments on your apartment will this affect your cosigner's credit rating?

Yes, If the co-signer gets "dinged" on the credit report just like they where the signer


Will a private student loan that is currently deferred negatively affect your credit score?

It will appear as an obligation and as such limit the amount that will be considered for total monthly payment. No I don't think it will affect your your credit score.


What factors determine the credit rating by the S and P?

== == There are four or even five factors that affect your scores: Payment History Balance Mixture of Credit Late Payments


How good is a 489 credit rating?

I got an apartment with this credit score, actually pretty good.


Do misdemeanors affect your credit?

Possessing a criminal record CAN affect your credit rating - but to what extent, is a confidential rationg factor the credit rating industry won't release.


Will opening a new credit card affect your credit rating?

Yes. Any new credit account or loan will effect your rating.


Do unsecured loans affect your credit rating?

An Unsecured loan can very much affect your credit rating, but it depends on whether you pay it back and keep your promise. If not, your credit rating can severely drop and you will lose trust with your provider.


If your spouse co-signs for someone will it affect your credit too?

No, your credit rating is separate from your spouse. If he or she cosigns it will only effect his or her credit rating.


If you join into a mortgage as a spouse but are not liable for the underlying indebtedness will this affect your credit rating?

You need to discuss this issue with an unbiased professional. If you "join into" a mortgage you are indeed liable for the underlying indebtedness. Otherwise the lender wouldn't ask you to sign the mortgage. If the mortgage goes into default it will not only affect your credit rating but the lender can go after you for payment.


Will being in debt affect your credit rating?

Not generally.