yes
Credit Management Association of the Philippines (CMAP) 2/F Globe Plaza 1 Pioneer Cor. Madison Sts. Mandaluyong City, M.M. Tel. No. (02) 817-83986
Yes, if the association won the judgement.
Yes, anytime you open a new credit account, even if it is a joint account, it is reported on your credit report either when it is opened or when it is unpaid.
they call the landlords association and they keep track of that somehow
Landlords or management companies can request a credit report to see the prospective tenant's credit history. They do need to obtain the prospective tenant's authorization for this. It is often included in the application that is filled out prior to the rental agreement.
Operating fees -- assessments -- are paid by owners to support community expenses, such as insurance, basic utilities and so forth.Every association's governing documents detail the process whereby the association can pursue an owner to collect unpaid assessments.When the association files a lien on the title based on non-payment of assessments, the lien becomes public record and credit bureaus can include this in your credit rating.Whether the association chooses to report the non-payment prior to filing a lien is up to each board to decide.
If the management company files it immediately with a credit agency, it may be hours or days.
Yes. If, for example, you do not pay your assessments, and a lien is placed on your title, the filing is reported to the credit bureaus, and will show up on your credit report. Your score could suffer.
Debt consolidation is usually removed when you complete or terminate the debt management plan. It is advisable to review your credit report on completion of the program and make sure that all information on your credit report is accurate. If the notation that you are undergoing debt consolidation has not been removed, you will need to contact the credit bureau to have it removed. There are a few creditors who may continue to report an account in a debt management plan as delinquent until the balance is totally paid up. This may have a negative impact on your credit worthiness.
One can obtain a free National Credit Report from any reputable credit report site. These include Free Credit Report, Equifax, and Annual Credit Report.
A report about your credit that is bad.
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.