Credit Reports

A creditor or collector can sue you whenever they feel like it. The question is can they collect? In Arizona the law states that from the time you make your last payment to the credit card company they have three years to collect through the court system. This is known as the Statue of Limitations,(SOL). But be careful these crafty collectors are aware of that so when they get a debtor on the phone a trick they will play is the get a good faith payment, say $50 bucks. This starts the clock all over again!

You must be at least 18 years of age to apply for credit in the US. However, you must have a co-signer and/or proof of adequate income. To independently get a credit card you must be 21.

In New Jersey, a judgment can typically stay on your credit report for up to seven years from the date it was entered. However, some judgments can remain on your credit report for longer periods, such as up to 20 years for federal judgments. It's important to check your specific circumstances and monitor your credit report regularly for accuracy.

A paid judgment stays on a person's credit report for seven years. An unpaid judgment also stays on the report for seven years, but may be renewed. Tax liens are another item that stay on a credit report for seven years, if paid. If not paid, they remain on the credit report indefinitely.

In Indiana, a judgment can stay on your credit report for seven years from the date it was filed. This can negatively impact your credit score and ability to access credit in the future. It's important to resolve any outstanding judgments or work with creditors to reach a settlement to improve your creditworthiness.

No, judgments in Virginia are generally valid for 20 years and can be renewed for an additional 10 years. However, judgments do not appear on credit reports indefinitely, typically falling off after 7 years from the date of entry.

Ready to play bill collector for your information??? OK- check out the website and see who you should write to to get things http://www.creditinfocenter.com/eBooks/PoorMansClassActionLawsuit.shtml Make noise- call them everyday asking for the same thing "your information" Report them to FTC--here is the complaint form --add the further proof and send it in. https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01 Good Luck!

A dismissed chapter 13 remains on a credit report for 7 years. A dismissed chapter 7 or 11 remains for 10 years. A discharged chapter 7 or 13 or 11 remains for 10 years. If the date for the dismissal or discharge exceeds any of the above time limits then the consumer should contact the credit bureaus by written correspondence requesting the entry be expunged.

In South Carolina, judgments can stay on your credit report for up to seven years from the date they were filed. However, if the judgment is satisfied or settled before the seven-year period, it may be removed earlier.

The timeline for moving out after an unlawful detainer varies by state, but it typically ranges from 5 to 10 days after a court judgment is issued in favor of the landlord. It's important to carefully review the specific laws applicable to your situation.

To get a 'satisfied' judgment removed from your credit report, you can contact the credit reporting agencies and dispute the information. Provide any documentation that shows the judgment has been satisfied. You may also need to reach out to the creditor or court that issued the judgment to request that they provide confirmation of its satisfaction to the credit bureaus.

To remove false aliases from your credit report after identity theft, contact the credit reporting agencies (Experian, Equifax, TransUnion) and provide documentation proving the aliases are incorrect. You may also need to file a report with the Federal Trade Commission and place a fraud alert on your credit report. Be diligent in monitoring your credit report for any further suspicious activities.

The SOL for filing a lawsuit to recover monies owed has no correlation with the time limit for a negative entry on the consumer's credit report. Judgments may or may not be subject to expungement from credit reports after the 7 years from date of entry has passed. Most judgments are renewable and can remain on a credit report for an indefinite period of time.

Debt collectors in Canada can sue individuals in the US for debts owed. However, they must follow the appropriate legal procedures in the US and comply with the laws governing cross-border debt collection. It is advisable to seek legal guidance if you are facing a lawsuit from a Canadian debt collector in the US.

First, make sure you have documented proof that shows the account was discharged. If you haven't filed a dispute. You should then report them under the Fair Debt Collection Act for unfair reporting. If, after that, they still report and account and you can prove otherwise, you should look into an attorney who can file suit for you. Rest assured they'll have five lawyers for every one you find.

A judgment is typically placed on someone's credit report when a creditor takes legal action against them for unpaid debts and wins a judgment in court. This judgment is then recorded with credit bureaus and can negatively impact the person's credit score.

No, the expiration of the SOL designates the time in which the creditor has to file a lawsuit. This does not mean a creditor will not pursue litigation, as an SOL is not an "automatic" defense in creditor vs. debtor suits. If a debtor is sued after the expiration the debtor must bring forth proof that the debt is invalid, the court will not do this for him or her. Often people receive a summons for what they believe is an invalid lawsuit because the SOL has expired, this is not necessarily true. A creditor may file a suit one day before the SOL expires and it will be seen as valid litigation. In addition, a debt is always valid until it is paid, settled in a lawsuit or discharged in bankruptcy.

LOOK AT YOUR STATE LAWS AND FIND OUT THE NUMBER OF YEARS; USUALLY IT IS SEVEN YEARS FROM THE DATE THAT THIS WAS FILED.

Individuals cannot "put" something on someone else's credit report. Judgments are part of the public record, and as such, are the subject of routine searches by individuals who re-sell this type of information to Credit Reporting Agencies. So, if you were the prevailing party in a judgment, you can be relatively certain the judgment will find it's way onto the defendants credit. In most states, a judgment must be recorded twice to ensure that it attachs to any real property owned by the defendant.

You can try conducting a public records search or hiring a private investigator to locate where the individual is currently working. Another option is to request information from the court that issued the civil judgment, as they may have updated contact details for the individual.

Some judgments will be removed according to the seven year time limit some will not. Many judgments are renewable, if that is the case the judgment can stay or be reentered on a CR. The "filed" indicates when the judgment became valid, and that is the date from which the seven year time frame usually begins.

No, however the creditor or whomever the judgment was awarded to can use several options in accordance with the state laws to recover the money owed. Some of those options are, wage garnishment, bank account levy, lien against real property, the forced liqudation/sale of nonexempt assets owned by the debtor.

A tenant-landlord civil judgment can stay on your credit report for up to seven years from the date it was filed. This can negatively impact your credit score and ability to secure future rental agreements or loans. It's essential to address any outstanding judgments promptly and work towards resolving them to improve your credit profile.