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Answered 2006-05-05 17:31:58

It will be harder to get any loans, credit cards or a mortgage as your credit history has not been good.

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The information I found states Date of First Delinquency.


7 years from the date of first delinquency


Generally they can pursue/report for 7 yrs on a debt that is unpaid.


7 years + 180 days from date of first delinquency.


Anytime a negative item is removed from your credit report, it will raise your credit score unless new collections are added to your report.



reporting credit delinquenciesI am a landlord. My tenant is seriously in default of her lease and is in arrears in excess of $5,500. and refuses to pay. How can I report her to the credit agencies?-----------------You will need to take her to court (small claims court) and get a judgment against her. The judgment is a legal action against her and will show up on her credit report.


Means that you did not pay your bills on time, or that you've never paid some of them. Make sure you get that straightened out, then don't be late again! That information stays on your credit report for up to seven years!!!


A delinquency usually refers to an account with late payments. The late payments report on the account for 7 years.


Collection agencies notify all the credit bureaus electronically concerning the delinquency amount of the debt and number of days outstanding every 30 days.


Initially, it's not possible unless the delinquency was placed there in error. If the delinquency was placed there correctly, then you PROBABLY have no other option than to wait 7 years from the date of the FIRST delinquency, before it went to collections. HOWEVER, calling the creditor has worked for some people, although once your balance or settlement has been paid, they have less incentive to work with you. Still, it's worth a shot. When you do this you MUST ask the creditor to send you a letter stating that your delinquency has been removed from your report. This is important because you need this letter to submit to the three Credit Bureaus (TransUnion, Equifax, and Experian) so that it's official that your report has been adjusted accordingly. I hope this helps you. Good Luck!


You can get a free credit report once a year from Annual Credit Report. There are other sites like Credit Karma that will give you your current credit report without having to use a credit card or signing up for a service. You will need to enter personal information to obtain your credit report so make sure that the site you are using protects your sensitive information.


For Experian, a voluntary repossession will remain on your credit report for seven years from the original delinquency date of the debt.




A personal credit report online can be found on FreeCreditReport. This site allows for people to see their personal credit report for free, instead of having to pay through another service.


It will cause the credit score to decline and will remain on the credit report for seven years, perhaps creating problems for the person to obtain future credit/loans.


Get your disputed items cleared and marked paid before you get started on the loan. Having derogatory items on your credit report will affect their opinion of your credit worthiness.


The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..The repo agency does one thing; repossess the vehicle. I don't know of any case where a lender could even draw from your pay. tThey hire a repo agency to get the vehicle, and they report your delinquency so your credit score suffers..


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.


One can obtain a free National Credit Report from any reputable credit report site. These include Free Credit Report, Equifax, and Annual Credit Report.


One can obtain a credit report from Equifax UK by ordering it on their website. One can choose between seeing the report on their website, or having it posted to one's home.


A report about your credit that is bad.


A credit report includes a list of every request for your credit report in the past two years.


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.



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