means your up to date with your monthly payments in the past 7 mths
(past) 1111111 (present)
if you have a 2s or 3s in the series of numbers ... ie) 111231121
it means you have been behind with your monthly payment that paticular month.
1s mean paid monthly payment on time
2s mean 30 days (missed one payment)
3s mean 60 days (missed two payments)
4s mean 90 days (missed three payments)
Ask them to report your payment history to the three bureaus.
They report nightly. The payment history will take time and after a year your credit will show your progress.
It will show up in your credit history report.
Small businesses should report bad payment history to a business credit reporting agency. A few of the key business credit reporting agencies are Dun & Bradstreet, Experian and Equifax.
Yes, your payment history will still be a part of your credit report as well as the Chapter 7.
There are many ways one can get their credit history report. Among them are the Annual Credit Report, Free Credit Report, Credit Karma, TransUnion and more.
A credit report is a record of your purchase & payment credit history. These reports are used by various corporations to determine your credit 'worthiness' before issuing you credit, offering you a job or writing you a mortgage. An online report is simply a credit report on you, that you can request, from the three major credit reporting companies online, for free.
A credit report is a list of your credit accounts with different creditors stating your payment history with them. A credit score is made up of different items on your credit report using an algorithm including payment history, credit length, debt to limit ratio, credit types, and inquiries.A FICO credit report has 5 components that are used to determine your credit score:Payment historyPercentage of available credit in useLength of time (how long each account has gone since the last action, and the age of each account has been open)Amount of new creditVariety of debt
unpaid collection on medical bills can possibly be reported on bureau, but payment history is not reported.
You must review your personal credit report once a year. Your credit information impacts many decisions,from the loan size to the interest rate. A credit report includes credit cards, any mortgages, and your loan payment history.