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How long can a credit card company keep applying charge off to your credit report after the loan was paid in full?
Wiki User
∙ 18y ago
7 years
Wiki User
∙ 18y ago
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How does a company running a credit report hurt your credit score?
Too many inquires on your credit report can hurt your score since it may appear that you are applying for too much credit at once.
If you file bankruptcy will that remove a charge off report from a credit card?
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
Where can you get a free personal credit report?
There are several websites where you can get a free credit report. You can also get your credit report from your local credit card company or your accountant can give you a report.
If a credit card company says you owe them money but it is not on your credit report do you have to pay?
If it isn't on your credit report, the credit card company still has hopes of you paying it off. When they see that isn't going to happen, you can bet your butt that it WILL be on your credit report.
What is a Charge-off in a credit report?
A charged off account is similar to a collection on your credit report. The creditor has written off the debt owed and closed the account. The debt is still valid though and can be collected on. The charge off will lower your credit score unless removed. You can dispute a charge off and this give the credit bureaus 30 days to verify the charge off or it must be removed from your credit report.
How does a company running a credit report hurt your credit score?
Too many inquires on your credit report can hurt your score since it may appear that you are applying for too much credit at once.
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.
If you file bankruptcy will that remove a charge off report from a credit card?
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
How long do charge offs stay on your credit report?
Charge offs will stay on your credit report for 3 to 7 years
Is a charge off or judgment worse on a credit report?
They are or will be the same. All institutions who do a charge off sell the paper to a collection company so they are or will be the same.
How do you remove charge offs credit report?
Dispute them with the credit bureaus.
Where can you get a free personal credit report?
There are several websites where you can get a free credit report. You can also get your credit report from your local credit card company or your accountant can give you a report.
What happens if you miss a loan repayment?
They charge you a late fee, it goes on your credit report and you could get a phone call from the loan company.
If a credit card company says you owe them money but it is not on your credit report do you have to pay?
If it isn't on your credit report, the credit card company still has hopes of you paying it off. When they see that isn't going to happen, you can bet your butt that it WILL be on your credit report.
What is a Charge-off in a credit report?
A charged off account is similar to a collection on your credit report. The creditor has written off the debt owed and closed the account. The debt is still valid though and can be collected on. The charge off will lower your credit score unless removed. You can dispute a charge off and this give the credit bureaus 30 days to verify the charge off or it must be removed from your credit report.
When is a charge off removed?
A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.
Does any company gives free credit report to consumers?
Free Credit Report .com baby!!!
