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Answered 2006-07-24 23:49:07

It's all part of your credit history..the good the bad and the ugly. I longer history is generally good.

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A user account can be closed by sending an email to wikianswers@wikianswers.com. There is no ownership of questions. They remain on the site for the information of other users.


No, it will remain on your credit for 6 or possibly 7 years. Even if account is closed and paid. What you can do is write the company and ASK in a very very nice way, if they will remove it. I actually had a Sears 60 day late payment removed once I paid the account off and it was closed, just asked.


The bank has the option to shut down any account that has a negative balance. That is technically an illegal loan and the credit institution can get in trouble for your poor budgeting.


A google account might remain inactive for a long time. Seeing that inactivity, the developers might close the account. The account is closed approximately after 9 months.


So long as there's a balance on the account - the file will remain open.


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


7 Years, and then they are removed. Under your adverse account, there should be a removal date for each account.


In a word-nounfortunately, closed accounts will remain AA a negative against yr credit score even though you pay them off on time. after 5 yrs, your credit records should not contain this neg. info., however. Simply opening a new account will not raise your score, only consistent on-time payments of an account will help in that respect. Credit scores are not solely based on cc payments, but also car payments, mortgages, etc. AnswerIf the credit card is in your name and you have been paying on it for the last 2 years on time, it will imorove your score, and could also up your credit limit after it is paid in full. You should check your credit to be sure they are reporting it to your credit as pays as agreed.


Bad credit or any negative report will remain in your credit report for seven years. Therefore, if it happens that there is a wrong information that will affect your report negatively, be sure to dispute it immediately. You can also do your own credit card repair in order to eliminate any bad credit that will be reflected in your credit report.



Credit reporting agencies stores information from credit grantors and public record information, including bankruptcy, choice and liens. Skipped obligations and many criminal record products stick to the credit history for seven years, except for Chapter 7, 11 and 12 bankruptcies, which remain for ten years, and delinquent tax liens, which remain for approximately 10 years. Active positive information may stick to the report indefinitely. Demands for your credit report stick to the credit history for approximately 2 years.


7 years from the DLA for "negative" accounts, and 10 years for accounts "in good standing".


Generally, after two (2) months, the balance transfer from one card to another only minorly impacts one's credit. The key is the additional or new account and the utilization of the line on the account. If you transfer a balance to a NEW account as part of the application/onboarding process, your credit score will be reduced. If you transfer a balance to an EXISTING account that you don't use regularly, your credit score will be reduced. If you transfer a balance to an EXISTING account that you use on a regular basis, your credit score will either remain the same or be reduced.


The creditor can sue the account holder(s) to recover the debt. The defaulted account will be entered on the consumer's credit report and negatively affect the person's credit score. That type of negative entry will remain on the CR for 7 years.


No. Negative entries concerning all creditor debts remain on the consumer's credit report for the required 7 years.


This happens when someone pays too much money on their credit card statement. You have money "on credit" in addition to your credit limit. These amounts can be refunded but will usually remain in the account until you charge using the card again, then those funds will be applied towards your purchases on credit.


Until you clear your debt and your good with the company. After that it will stay on there for about a year but will also have that you paid your money. If you havent paid your debt, then it will remain on your credit history.


If your question pertains to closed, positive, accounts; you do not want tyis type of account removed (or more accurately, shielded from view) on your credit file. Old positive accounts still show past payment history. If these accounts were open, they would be aiding your credit score by lengthening the time you have had open credit. But, even when closed, they show past credit history. This is good thing, and not something want removed. If your question pertains to accounts with derogatory information; those items may legally show on your credit for 7 years from the date of last activity. After 2 to 4 years, you can write a letter of dispute to the credit bureaus. If the accounts are not verified within 30 days, they must be shielded. If verified, they will not only remain on your credit report, but also get updated. This won't change the length of time they show on your report, but MAY effect how much they impact your score.


The original creditor does not remove your information. What is should say in the notes section is that the account has been transfered or sold to a third party collection agency. This information will remain on your account until the 7 year clock expires.


It's difficult to give a specific answer w/o knowing what type of transactions the accounts were. If they were paid in full it will be noted something similar to "paid as agreed." But will remain on the account until closed and the time limit expires. If they were accounts that were in default they would perhaps be noted "satisfied and/or settled". Defaulted accounts will remain for the entire seven years or possibly more if they involved a judgment. Not all accounts are entered (or even have the same information) on all credit reports. Which is why consumers should make it a habit to inspect their credit report a minimum of once a year, preferable every six months.


It shouldn't impact your credit rating all. However, his bankruptcy will remain on his credit for up to 10 years. If you get married and try to buy a home for example, then his credit rating will affect both of you.


No; WikiAnswers accounts are just renamed, and not deleted. They still remain on the system under an anonymous name, so the email address will still be associated with them.


A foreclosure will typically remain on your credit report for seven years.


If the debt originated after December 1997; it may remain on your credit report for 7 years plus 180 days from the last time it was paid on time.


Many college students have no credit, or a limited credit history. Fortunately, there is a way for college students to obtain a credit card and build their credit. For instance, if your parents have good credit, perhaps they can add you to their credit card account as an authorized user. As an authorized user, you can enjoy the ease and flexibility of using a credit card. Read on to learn more about becoming an authorized user, so you can get the credit that you need.Is it easy to become an authorized user?Yes, it is rather simple to become an authorized user on your parents credit card account. However, your parents may not be able to add you to their account if they have a poor payment history with that credit card issuer, or if they are currently over their spending limit on that particular account. Your parents can simply contact the customer service department for that credit card issuer to begin the process. In most instances, you can become an authorized user in a matter of minutes.What information do my parents need in order to add me as an authorized user?Your parents may be required to give the credit card issuer your full legal name, Social Security number, date of birth, drivers license number (or state identification card number), your contact details, and your employment and income information.Am I required to make payments if I am an authorized user?No, authorized users are not legally required to make payments to the credit card issuer. However, your parents may ask you to make payments directly to them whenever you use the card. Be sure to discuss this information with your parents prior to becoming an authorized user on their account.Will my parents payment history affect my credit score?Yes, if you are listed as an authorized user on your parents credit card account, their payment history will appear on your credit reports. So, if your parents make timely payments on their account, this can boost your credit score. However, if your parents default on their credit card account, it can have a negative impact on your credit history.Will I have my own credit card to shop with?Yes, for your convenience, your parents can request the credit card issuer to send them a card in your name. Please note that your parents may establish a spending limit for you on their account.How long can I remain an authorized user on the account?Generally speaking, you are allowed to remain an authorized user on someones account for as long as you like (or until that person removes you from that account).If your parents add you to their credit card account, it is important that you follow their rules and use your credit card wisely. Your parents are legally responsible for paying the credit card bill, so do not take advantage of the situation. And in a matter of time, you may be able to obtain a credit card on your own.



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