If the bill is turned over to a collection agency, it can remain on your credit for seven years from the date of last activity. -----------------------------------------
That is correct - 7 years. It can come off if you hire a credit attorney, though.
7 years or change your name and move to mexico
Past due accounts that become collections or charge-offs are usually reported adversely to the consumer's credit file for 7 years plus 180 days from the start of the first collection activity. Pull your credit history for review for free once per year at www.annualcreditreport.com If you apply for credit, banking, insurance, or housing and are denied based on credit, you have the right to obtain a free copy of your report.
If you don't have card information, then you will need to pre-pay for phone credits before you can even make a long distance call.
Verizon offers a very good service of long distance calling and is very cheap.
smoke signals.
Like other late payments reported to a credit reporting agency, an unpaid medical bill may stay on a credit report for up to seven years.
Unpaid traffic tickets are not reported to the credit bureaus.
Your unpaid medical bills will not be reported to credit bureaus until sent to a collection agency. As long as they remain with the provider, the unpaid balance is just that, an unpaid balance. However, some interest rates may apply, depending on the state that you are in, so that balance could change.
Charge offs and most other defaulted debts are expunged (or should be) from a credit report seven years after the DLA.
as long as it remains a part of your credit report, 7 years.
It depends on the credit bureau. Experian, for example, removes information after seven years. Equifax removes unpaid items after 10 years. TransUnion is a little more forgiving and will remove an unpaid item after seven years, as long as it's been reported to them as unpaid by the creditor. So it really varies depending on which bureau you're talking about. But generally speaking, an unpaid credit card account will stay on your credit score for anywhere from 3-10 years, depending on the credit bureau and how long the account has been delinquent.
An unpaid tax lien will stay indefinitely, paid for seven years.
5 years
It varies. It could take 30 days or it could take 2 years. However, the date begins with your last payment to them. Not the date they report it to the credit bureau.
The Fair Credit Reporting Act allows unpaid tax liens to remain indefinitely on your credit report. Paid tax liens may remain for 7 years from the date of payment.
An unpaid loan can have serious legal implications. Not only will an unpaid loan ruin credit scores but the business can put the loan into collections or place a judgement against the customer.
Generally they can pursue/report for 7 yrs on a debt that is unpaid.