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It will remain on your CR for 7 yrs. Unless you can get the LENDER to remove it.

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โˆ™ 2015-07-16 19:18:21
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Q: If you paid all the fees to get your car back and have continued to pay your payments on time will your credit report still have the repo on it?
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If an account was included in a Ch 7 bankruptcy can the account's history of late payments still be listed on the credit report?

Yes, your payment history will still be a part of your credit report as well as the Chapter 7.

Is there anything that can help with bankruptcy after filing seven years ago?

By now, if you have handled your credit and bills well...the BK while still on your report, should make no difference. If you continued having late payments and such...the BK isn't your problem...your just a bad credit risk

If a credit card is not activated does it still reflect on your credit report?

Yes. If they extend the line of credit to you, and you do not activate it, it will still show up on your credit report.

What type of entry is placed on a credit report when a bankruptcy petitioner reaffirms their auto lease?

The auto lender would show that the loan has been reafirmed or just simply show that payments are still being made thus you still have an active open account showing on your credit report.

Is there still a past due amount on your credit report after foreclosure?

The foreclosure will be on your credit report indefinitely.

How do you remove late payments?

Answeryou dont. after seven years, since last activity, the cr. companies will automatically remove the creditor and associated account number. keep in mind that after 6 to 9 mos of no activity on the credit account that creditor will not be part of your credit score but the late payments will still be seen by credit granters.You can remove late payments from your credit report by disputing them to the credit bureaus. Under the Fair Credit Reporting Act, every consumer can dispute any item on their credit report that they believe to erroneous or inaccurate. You may also try and contact your creditors, they have the ability to remove your late payments, but usually won't unless you have a good payment history or will pay off the debt.

Does putting your sudent loans into deferment hurt your credit?

Creditors can make their own determination in how to evaluate deferred student loans on your credit report. Generally, deferred payments are much better then delinquent payments. Debts that must be repaid in the future are still debts though, and the amount of debt you have may effect whether or not you are granted additional credit.

If you make voluntary payments on a car loan that was discharged in a bankruptcy can they still report it as a repossession on your credit report even though the debt is not legally owed?

My guess is that they probably can still list a repo on your credit report. Normally you get a double-hit on your credit report when you surrender property in bankruptcy: you get hit with the bankruptcy (which knocks your credit score down by 75 to 150 points) and you get hit with a repo/foreclosure for the surrendered property. Just because a debt is discharged in bankruptcy doesn't mean that it won't be listed on your credit report, it simply means the debt is no longer collectable. The credit report will continue to show the debt on your credit report and should list it as "discharged in bankruptcy." Similarly, if a person surrenders a home in bankruptcy, the foreclosure still goes on their credit, and if a person surrenders a car in their bankruptcy, it still shows up as a repo on the credit report. So, my guess is that a repossessed car, even one for which the debt was wiped out in bankruptcy and one that was not repossessed for some time after bankruptcy since voluntary payments were made for awhile, will still show on the credit report as a repo when it is ultimately repossessed. I can't say this is a definitive answer, but this is how I think the process works. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.

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.

1099 c is received and the debt is cancelled Does it still remain on your credit report?

If 1099 c is received and the debt is cancelled means that it still remains on your credit report.

How does the credit system work for automotive?

The automotive system is linked to your overall credit. It is easier to get a loan if you have good credit and your payments will generally be smaller. You can still get a vehicle with bad credit but it might be difficult getting a loan and the payments will be higher.

If you made all the back payments on a repossessed car and paid the fees that were due would the repossession still show up on your credit report?

YES I have a letter if you would like it that you can send to the parties involved that may or may not be able to help you get this off your credit report. let me know if you would like it.

Its been 19 years and something is still on credit report?

If it has been 19 years and something is still showing on a credit report, you can request to have it removed. Contact the three credit reporting bureaus and ask all of them to remove it for you.

Your credit report shows a collection with a DLA of 0502 is this still valid?

If you are responsible for that item, then, yes, it can stay on your credit report--probably indefinitely.

What should you do to get paid collections off your credit report?

If the account is legitimately yours, then you cannot legally have it removed from your credit report. However, if you paid the collection account off, it should be reported as paid on your credit report. Still, the accounts will not be removed from your credit report for 7 years.

If your spouse purchased a truck by himself without your knowledge or signature does it still affect your credit if you are legally married?

Only if you get divorced and he requires you pay half in court or if he calls the finance company and requests to have the history of payments added to your credit report( this can be a good thing to those who need instant credit, and bad to those who don't want to get involved in the payments due to negative history).

If a bankruptcy was discharged in 1993 does it automatically come off of your credit report and how long after What if it's still on your report?

Bankruptcy can stay on your credit report for up to 10 years. If you obtain the credit report directly from the credit reporting agency (ie. Equifax, Transunion, Experion) the report will provide you with directions on how to dispute the information.

Is ones debt completely gone when it is removed from credit report record?

It may not be, records on your credit report can expire and disapear but the debt still needs to be repaid

What are the laws pertaining to a credit reporting agency still reporting after a bankruptcy discharge?

Debts included in the bankruptcy should be noted as such in the credit report. The bankruptcy will remain on the credit report for ten years.

How long does a judement remain on your credit report?

This will stay on your credit indefinitely until it is paid. Once it is paid, it will show a zero balance, but your credit report will still show that you did have a judgment at one time. It will stay on the report for approximately 7 years.

How do credit entries appear on your credit report after a chapter 7 is discharged and do they disappear from the report or show as 0 balance and indicate their inclusion in a bankruptcy?

The still stay on your credit report the normal length of time for negative credit entries (7 years). After the discharge, they might still show a balance but should also make not of being included in the bankruptcy.

If it's over 30 days late in the credit card payment due to lost statement and credit card company waives the late fee and charges will this affect the credit report?

The credit report does not include late payments unless you are over 60 days, and it is really generally up to the credit card company to write it in. Most credit reports i have read are: account holder, when opened, when closed, who closed the account (you or them) how much was granted, how much was borrowed, how much you still owed. The monthly payments are usually in some check-like form where you can barely distinguish each and every date if you really try hard. If the credit card company is going to waive the fee for it, it is like it never happened. I can almost be positive that it will NEVER reach your credit report.

How do you report a paid off car loan if company did not report?

You need to obtain a copy of the letter stating that the loan id paid in full and just show that to them. If they are still telling you that nothing was reported pull a copy of your credit report to be on the safe side. If nothing's on your credit credit and it is still holding you back from getting something else that requires your credit to be checked than contact the Credit agency.

Will balances still appear on your credit report after taking out a loan for your sister and letting her use your credit cards if she can't get credit on her own and you have to co-sign?

Yes, as a cosigner you will be responsible for the debt, so it will reflect on your credit report.

If a credit card is discharged in a bankruptcy should it still show a balance on a credit report?

It will remain on the report for the required length of time and should be marked "included in bankruptcy."