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Answered 2007-02-01 21:25:27

Last active date is referring to the last time that a transaction was processed on your credit account.

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Do creditors list a charge-off on credit reports as of the bankruptcy filing date or as of the discharge date?

Creditors list the charge off date as the date the bankrupcty was filed

How long does Tax liens stay on credit reports?

7 to 10 years from the date of entry, some states differ

How do you find out the Date Of Last Activity Date so you can calculate the 7 year window for retention?

Some credit reports do not display this information. But the bureaus have the date. You may have to call or write them on each account you are interested in.

Is it worth settling with a collection agency?

It kind of depends. If you settle with them prior to your credit reporting date it's a win win for you: No credit reporting and you save some money on goods/ services you received. If it's after the credit reporting date it reports as "settled in full" on your credit report, not as good as "paid in full" but better than not paid at all.

When are delinquent accounts removed from credit reports?

Typically they are removed 7.5 years from the date of last activity. There are some exceptions, but are handled on a case by case basis.

When was soccer born?

This is a little disputed, and although the English are given credit for creating the game 19th. century, there are reports that date back hundreds of years to China.

How long does it take for items to drop off your credit credit cardscharge offsrepos?

Negative entries stay on your reports for 7 years + 180 days from the date of first delinquency that immediately preceded placement for collections and/or charge-off.

What are the benefits of using a Swipe credit card terminal?

Swipe terminals are safer than other forms of credit card readers; to date there have been no reports of any swipe reader having lifters or phishers on them to harvest credit card numbers or information in the magnetic strip.

Things to Know About Credit Reports?

Your credit report is like a biography of your financial history. It will be used in most phases of your life, from getting a car to buying a house. Lenders, employers, and landlords use your credit report as a means to determine how reliable you will be. The difference between good credit and bad credit could mean the difference between thousands of dollars in interest, or even qualifying for something you need. Here are a few things you should understand about credit reports.The first thing you should know is that it is important to check your credit reports. There are three different ones, and you are entitled to a copy of each once a year. You are also entitled to additional copies if you are denied credit or employment. Credit reports frequently contain errors. In some cases, errors can lead to a credit denial. When you review your credit reports, look for any possible errors. If you find one, file a dispute with each of the three credit bureaus to have to it removed.It is also important to understand how the information on your credit report translates to your credit score. The credit score is the number that lenders will see when they determine your approval and interest rate. Obviously, payment history is the biggest factor. One late payment can cripple your score. But that only accounts for about 35% of your score. Another 30% comes from your debt to credit ratio. This means that if you carry large loan or credit card balances, your score will be lower. The remainder of your credit score comes from other factors. These include the length of your credit history, the amount of new credit you have, and the types of credit you have. It is important to have a mix of installment accounts and revolving accounts.Credit reports are updated by most companies once a month, so it is important to find out when they do the updates. This can make a huge difference in your credit score, especially when it comes to credit cards. Even if you pay off your credit card in full every month, the company might still report a balance if you pay it after they report. In most cases, credit card companies report to the credit bureaus after they generate your statement. This means you should pay off your bill before that date rather than the due date they provide you.Credit reports can be tricky, but they are going to be among the most important documents in your life. It is important to understand what is in them and what you can do to make sure your credit reports are in top shape. There are much more to credit reports than paying your bills on time.

What is an outstanding judgment on a credit report?

An outstanding judgment is a court order that gives a creditor the legal right to collect from a debtor. As court judgments are a matter of public record, a creditor can report the judgment on the debtor's credit reports. An example of a judgment placed on a credit report would be a judgment for eviction. This judgment will remain on the credit report for seven years from the filing date.

Where can one find the expiration date of a credit card?

One can find the expiration date of a credit card online in the credit card company's website. In addition, the expiration date is on the back of the credit card.

How long will bad credit card debt stay on credit reports in Ohio?

In the majority of situations, bad credit items are supposed to fall off your credit report after 7 years, HOWEVER, this doesn't always happen. After the fall of date has passed, it is best to get a copy of your credit report to insure that negative items have been removed. Know your rights and get a Free Copy of Your Credit Report from the credit bureau

How do you find the date of last activity on an account on your credit report?

Where to find this information on a credit report unfortunately depends on where you obtained your credit report from since they (credit bureaus, mortgage lenders, etc.,) can all use different formats. However, there should be a column or section under each creditor/credit item listed that shows "Date of Last Activity", "DLA" or "Last Active". The three major bureaus are pretty good about putting this information in a separate column (near or underneath the Date Opened or Last/Date Reported). If all else fails, contact the creditor/collector directly (not the credit bureaus) for the most accurate information about the Date of Last Activity.

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.

True or False - Credit reports determine your balance that you keep on credit cards not by what you pay down off the bill by the due date but by what balance is actually on your card on a certain day.?

False, they assume the card is at its maximum limit, because it could be tomorrow

How can you check your credit reports periodically at no cost?

Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free credit report from each of the three main credit reporting companies in a 12-month period. Request your free credit report from each company once a year but from a different credit company every four months. This way you will have an up-to-date credit report three times a year.

How to Get a Free Credit Report?

Getting your free credit report has never been easier. While you may have seen dozens of commercials on TV advertising free credit reports, many want you to sign up for various credit monitoring services or pay a fee to access your credit score. While you may in fact want these services or information, there is no need to pay to access your basic credit report. You have the right to access this information from each of the three major credit bureaus once annually. Simply follow the steps laid out here, and you’ll be able to get your free credit report. • First, gather any information you may need during the process of requesting your free credit report. You’ll likely need information such as your name and any aliases used, social security number, current and former addresses, and you may need to verify accounts you have open. • Next, go to to request your free credit report. It is the only authorized website for users to access their annual credit report for free. Follow the directions on the site and enter the information it requests. You can get your report from all three credit bureaus (Equifax, Experian, and TransUnion) at the same time, or you can vary the time throughout the year that you request the reports. • If you have difficulty with the website, you can request your free credit report by calling 877-322-8228. You will need the same information to verify your request as you would if completing it online. • You can also go to the Federal Trade Commission’s website ( and download a form to request you free credit report. If you want to get a free copy of your credit report, just follow the steps laid out here. It is a fairly simple and straightforward process. As long as you have the necessary information to verify your identity, you should be able to access your free credit report quickly and easily.

What is the definite definition of periodic report?

A periodic report is a report that gives an update on what has happened since the last report. Periodic reports are given at regular intervals to keep everyone up-to-date.

How long does a judgment stay on your credit report in North Carolina?

The length of time items are displayed on a consumers' credit report is established by the Fair Credit Reporting Act, a federal law. It says at 1681c, Sec. 605 that judgments are excluded from credit reports when they are seven years from their date of entry "...or until the governing statute of limitations has expired, whichever is the longer period."

If a repossession stays on your credit report seven years does that start from the date of the repo or the date of the final sale?

It stays on your credit report 7 years from the date of settlement not the date of repossession.

What does due date means on credit card?

Due date on your credit card billing is the date that you should pay your balances in order not to have extra charges or fees.

What date do you go by on your credit report for the number of years that it has been on there?

Date opened date

What is the definition of date in civilian letter?

The date the letter was written

Do addresses come up on credit report?

Yes, addresses come up on a credit report. Generally, the most recent four addresses are represented on a credit report - the current address and the three prior addresses. Not all credit reports are up to date, however, so there may be less recent addresses in the credit report and it is up to the individual to update the credit reporting agencies. IN the United States there are three (3) credit reporting agencies and every citizen is allowed to get a free copy of their report from each agency on an annual basis. Be sure to check your credit report from each provider at least once per year and request updates to addresses that are out of date.

What is purchase on credit?

When the goods are purchased from supplier on a date and the amount of the bill is to be payed on some future date, then the transaction is Credit Purchase.

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