Yes, your payment history will still be a part of your credit report as well as the Chapter 7.
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
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.
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.
The foreclosure will be on your credit report indefinitely.
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.
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.
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 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.
If 1099 c is received and the debt is cancelled means that it still remains on your credit report.
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.
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.
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.
If you are responsible for that item, then, yes, it can stay on your credit report--probably indefinitely.
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.
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).
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.
It may not be, records on your credit report can expire and disapear but the debt still needs to be repaid
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.
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.
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.
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.
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.
Yes, as a cosigner you will be responsible for the debt, so it will reflect on your credit report.
It will remain on the report for the required length of time and should be marked "included in bankruptcy."