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If you have a charged off credit card will it only stay on your credit report for 10 years?
All derogatory credit, including late payments as well as account written to profit and loss (which show on your credit file as either an R9 for Revolving Charge off or I9 - Installment Charge-off) can be removed after 7 years.
Bankrutpcy Chapter 7 - stays on for 10 years.
You must be proactive at the 7 year period to insure that it does get removed, as it does not always fall off by itself.
You must obtain your credit report, then go through the standard dispute process.
But the good news is, it is very easily accomplished as the 7 year period is mandated by regulation.
What else can I help you with?
How long does charged off credit card debt stay on credit report?
An account is no longer reported after a period of 7 years of inactivity in the USA; 6 years in Canada.
Can a credit card debt that was charged off and sold to a collection agency be reported on your credit report?
Yes.
What happens if you report false credit card fraud?
You can be charged with falsely reporting a crime, and go to jail.
Does it matter what was charged on my credit card and when it was charged?
Yes.
What future implacations does a charged out credit card balance have and what does charged out mean?
Charged out means you cant charge any more on your card, & the furer implications it will have is it will slowly make your credit bad credit till you pay your credit card off where their is no more out standing balanc.
How long does charged off credit card debt stay on credit report?
An account is no longer reported after a period of 7 years of inactivity in the USA; 6 years in Canada.
Can a credit card debt that was charged off and sold to a collection agency be reported on your credit report?
Yes.
How long credit card debt stay on credit report?
seven years
If you haven't paid your credit-card debts in 7 years can you apply for a new card?
When you apply for a credit card a credit report will be ran and those credit cards you haven't been paying will be on that report. So I say no.
How long does credit card debt stay on your credit report?
7 Years from the DLA.
How long does a credit card company have to sue you for unpaid credit card debt?
as long as it remains a part of your credit report, 7 years.
What happens if you report false credit card fraud?
You can be charged with falsely reporting a crime, and go to jail.
Does credit card consolidation show up on my credit report?
Yes, credit card consolidation will affect your credit score. It will show on your credit report for at least five years, it doesn't hurt as bad as bankruptcy however.
How is it that a credit card that you have had for years isn't on your credit report?
A couple of possibilities. One: Maybe you haven't charged anything. So if there's no balance, there's nothing to report. Two: You could be on a extended grace period. I.E. "six months same as cash"
Will not paying for items that you won on Ebay affect your credit score if anything?
No it won't affect your credit report unless you happened to charge the item to a credit card and not pay for the item once charged to the card.
Is over limit a bad deal for card holders and is this effecting your credit record?
A very "bad deal" the card holder will be charged with fees pertaining to the exceeded credit limit, and it can reflect negatively on a credit report.
How can I report a stolen credit card?
To report a stolen credit card, contact your credit card issuer immediately to report the theft and request a replacement card. You may also need to file a police report to document the theft.
