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Some things like filing for a bankruptcy never come off easily from your credit report as such an incident is considered as you are not able to manage your finances and lenders later see this as a risk.


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โˆ™ 2009-01-23 08:05:07
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Q: Why do some items on your credit report never come off?
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How long is it catalog debts stay on your credit?

Unpaid items and negative information stays on your credit report for up to 7 years. Debts such as unpaid taxes or student loans in default will never come off until paid up current or in full. Remember items that are unpaid do not suddenly become unowed after 7 years they just cease to report on your credit bureau.

How long does it take for the accounts to come off your credit report after being discharged from bankruptcy chapter seven?


Why do all your loans come up on a credit report?

To determine your credit worthiness and history.

If a bankruptcy was discharged in 1993 does it automatically come off of your credit report and how long after What if it's still on your report?

Bankruptcy can stay on your credit report for up to 10 years. If you obtain the credit report directly from the credit reporting agency (ie. Equifax, Transunion, Experion) the report will provide you with directions on how to dispute the information.

Can I start requesting a credit report form before I purchase a car?

yes you can definately report it.Every year, you can request a free report from any of the three credit. if you come to know and something is wrong You can improve your credit report legitimately and that can be beneficial.

Can late payments come off your credit report?

Yes late payments can come off your credit report. They can be removed by either the original creditor that put it on there or by the credit bureaus. You can dispute late payments on your credit report with the credit bureaus using the Fair Credit Reporting Act. The FCRA requires the credit bureaus to contact the creditors to verify the late payment. If the late payment isn't verified it must be removed.

If you signed for a car loan for a friend does all theyre bad credit come on the co signers credit report?

No, but if she defaults on the loan then you will have to pay the amount due or suffer the consequences on your credit report.

If you and your husband have joint credit card accounts why would nothing come up on a credit report using his SS number only under yours?

You would have to get a copy of his credit report from all three bureaus to answer this.

Were does information containded in a credit report come from?

Information in a credit report comes from banks, mortgage lenders,credit unions, credit card companies, insurance companies, landlords, department stores and employers.

Is it possible to get an instant credit report?

An instant credit report will almost always cost you money. Depending on your circumstances and how quickly you need this credit report, it may be more worthwhile to send an application to a proper credit reporting agency. There are several instant credit report companies on the Internet and they are not always certified. You may equally be able to get an instant credit report from a proper credit reporting agency. This may come by fax or e-mail. It is not a very common practice to obtain instant credit reports more than once.

You had a bankruptcy in 2004 when does it come off your credit report?

10 years from discharge

How many points will come off your credit report when your foreclosure falls off?

There can be no specific answer, as credit scores are based on the person's entire credit history.

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.

Where can one find information on obtaining a free consumer credit report?

Use sites such as consumer and consumerfinance. They come up with great strategies and places for a free credit report. Also check in with local authorities like the police to guide you to a great path for credit report.

Define debit and credit in accounting?

For P&L items Debit is what has gone and Credit is what is come. and for B/S items majorly Debits are our assets and Credits are our liabilities.

How long do you have to wait for a charge off to come off your credit report?

Typically, you have to wait 7 years for the charge-off to come off your credit report. But, if the account is incorrect, incomplete, misleading, or unverifiable, it may be deleted much sooner.

When will bankruptcy actually come off credit report?

Seven years is the standard for anything that has been settled to stay on your credit report. So the normal type of bankrupcy, Chapter 13 I believe, will be off the report after seven years.

Does an unpaid judgment come off your credit report in seven years?

No, judgments typically remain on your credit report for 7 years. I work in the industry and can see judgments on peoples credit that have been there since the late 70's. It is all public record and will never complete go away until a satisfied judgment is certified and recorded with your local court house.

How can you erase a repossession from credit report?

It can not be erased. If it has been paid, it will come off your credit in 7 - 10 years. If you still owe money on it and they report monthly that you owe an amount, it can stay indefinitely. If you owe money, but they are not reporting it monthly to the credit agencies, it i will come off in the 7 - 10 years.

How long does a bad credit score stay on records?

it currently takes 7 years for something to come off of your credit report

When does a chapter 11 come off your credit report?

Ten years after the date of discharge.

If a bankruptcy was discharged in 2001 when does it come off credit report?

Bankruptcy only impacts your credit for 7 years. Contact Experian, Transunion, Equifax to get it removed from your credit report. Addresses and phone numbers to all 3 are avail. on internet,

Can creditors collects a debt from seven years ago in New York?

Only if it is a judgement. If they never sued you, then after 7 years, it will come off of your credit report, and you are no longer liable for the debt.

When does chapter 13 come off credit?

Bankruptcies (both Chapter 7 and Chapter 13) remain on your credit report for 10 years.

Will contacting an experian credit expert help you improve your credit score?

No contacting an experian credit expert will not help you improve your credit unless you have discrepancies on your report. Which would consist of things you have not purchased, or addresses you have not lived at. They can only tell you what is on your credit report the improving need to come from paying off back debts and creating new lines of credit.