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How long does unpaid phone bills stay on your credit report?

Negative credit information remains on a report 7 years from the last date of activity. In other words, the last date you made a payment. I recommend that you settle the debt with the stipulation that the negative entry is removed.


IRS says to qualify for the first time homebuyers credit one cannot have owned a principal residence during the three years prior to the date of purchase What does owned mean?

The word "owned" is pretty clear. If you held a title or a deed in your name to, or paid a mortgage on, any piece of residential real estate within the past thrree years you don't qualify.


What education do you need to become a 7th grade science teacher?

At least a bachelor's degree with the stipulation that you complete your master's degree within the first 5 years of being hired.


Where do you find information on free grants for first time homebuyers?

By contacting your bank and arranging a meeting with a financial adviser you may find information on free grants. ARE THER ANY FREE GRANTS FOR 1ST TIME HOME BUYERS where do you find a application for a free goverment grant I have lived in my house for about 17 years and it now needs quite a bit of repair, what grants are available to me now? You can find information about First Time Home Buyer Programs in your state at: http://www.topgovernmentgrants.com/first_time_home_buyer_programs.php grant to open tire shop “Where do you find information on free grants for first time homebuyers?” Is the $8,000 credit for first time homebuyers still available? or something to replace it what banks offer grants from the government for first time home buyers who are disabled for life? Is Chase Bank on the list... my name is vernell johnson i am an inventor can i gat a grent .my eamil is johnson3521@roadrunner.com I find a House for sale $159,00 can you help me I am staring a d


How long does a credit inquiry stay on your credit report?

A credit inquiry typically stays on your credit report for two years. However, its impact on your credit score diminishes over time, and it usually does not have a significant effect after the first year.


What are the rules and regulations surrounding IRA distributions for a first-time home purchase?

First-time homebuyers can withdraw up to 10,000 from their IRA penalty-free for a home purchase. The account must be open for at least five years, and the funds must be used within 120 days of withdrawal.


Why is your credit score lower than it was two years ago if you have paid off your first mortgage and all delinquencies and have been on track for four years?

== == Many reasones. Delinquencies stay on your credit score up to two years. There are other reasons why your credit could be affected. Here are the five factors: Payment History Delinquencies Credit Limit Inquiries


What is the process for paying back the 7500 first time homebuyer credit?

The 7500 first-time homebuyer credit needs to be paid back over 15 years in equal installments on your tax return.


How does bankruptcy effect your credit score?

First off once you file bankruptcy you cannot do it again for 7 years. Bankruptcy stays on your credit report for 10 years. Rather to try to describe what the different types of bankruptcy will do to your credit click the link for more information.


How long can a hard inquiry stay on your credit report?

A hard inquiry can stay on your credit report for up to 2 years. It may impact your credit score during the first year but its impact lessens over time.


Is an item removed from credit reports after four years for Texas residents?

No, although the statute of limitations for your account may only be 4 years, the account may be reported by the 3 credit reporting agencies for 7 years from the date of first derogatory.


Is the interest rate on a Debenhams credit card high?

The interest rate on your Debenhams credit card will be dependent on your credit score and your likelyness to pay your credit card on time. The first 6 months to years interest rate is usually free.