Credit

Yes it can. I took a chance and called creditors and spoke to them in a sensible way. I paid the debt in full, they removed it from my credit report like it wasn't even there. My report is now cleaned up. Re-fi here I come.

You can use money you don't have.

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Creditors update credit reports on their schedule, some update every month, others update every other or every third month. If you are in a hurry, contact the credit bureaus and have them contact the creditor themselves.

You can sue a creditor, but you have to try contacting the creditor first (via mail), then file a complaint with the FTC, then contact the credit bureaus. If the account still hasn't been updated, you can go ahead and sue the creditor.

Yes, it is illegal, it is basically identity theft.

It's uncertain to whom the question is being addressed but the answer given to the question is somewhat correct.

The only time a valid debt becomes invalid is when the lender/creditor "forgives" the debt. It is likely that the 7 years referred to concerns the time a defaulted debt remains upon the debtor's credit report. A credit report is in no way related to whether or not a debt is still collectible.

All U.S. states have SOL's relating to debts. SOL's determine the time limit which a creditor/lender has to file a civil suit against the debtor(s) for monies owed. However, the expiration of the SOL does not mean the debt is no longer valid and a creditor/collector can continue to pursue the matter by whatever means the laws of the debtor's state allows.

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No.

First of all, I would wait a few months and request a free copy of your credit bureau (by mail) to make sure your bankruptcy is no longer on your file. Hopefully all your creditors with negative ratings are all gone. If you have any creditors with good ratings, you should continue using them because the established creditor is good for your bureau. If you do not have any good creditors then you should try to apply for one or two creditors and keep them in good standing for at least 2 years before applying for more, if necessary. Personally I think 2 or 3 creditors are maximum you should have.

A Chapter 7 Bankruptcy may stay on your credit report for up to 10 years.

A Chapter 13 Bankruptcy may stay on your credit report for up to 7 years.

But both may be removed earlier if the information they are reporting is incorrect, incomplete, misleading, or unverifiable.

The card number is the (usually) 16 digit number embossed on the front of the card.

Generally, FHA credit score requirement is 620-640, and 660 for a conventional loan, so yes. The rest depends on your income, debt to income ratio, and down payment.

Chapter 7 Bankruptcy will be removed from a credit report 10 years after the date the Bankruptcy was FILED.

No, your low credit score should not affect your husband's credit score, unless the lender/bank uses both your information for the loan. Credit score is based on each individual's information.

On the back...last three digits.

An ATM (Automated Teller Machine) requires the use of a debit card. This allows the customer to able to withdraw money at any time provided there is sufficient cash in the customer's account. For more info. search Google with: 'ATM' and have a look through the many websites on the subject.

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If you don't pay at least the minimum payment on your credit cards by the due date, you will be considered a month behind and so on till you are up to date with your monthly payment(s).

You'll also be charged interest and with most credit cards, interest is charged daily from date of when you purchased your item and not by the statement billing date. That is why it is important to make a payment asap, than to wait till the due date.

ie) if you make a payment even one day after your due date your charged interest.

if you purchased an item on Aug 29 and your billing date is sept 1 and your due date is sept 22 and you miss your payment on the due date.

interest will be calculated daily from aug 29 till full payment is received

if you pay the full payment (including interest) on sept 23 your interest will be less than, if you pay your full payment (including interest) on the next due date of oct 22.

credit score is not based on age but how you handle your credit....handling your credit well and your score goes up.....handle your credit bad, as in having a lot of debt and not paying on time brings your score down.

If you're thinking a credit company can remove bad credit from you credit bureau, they can't.

What a credit company can do is to help you improve your credit by helping you budget, plan bill payment and help you reduce your debt so that you can manage your debt better.

Local bank

Businesses usually grant "limited" credit cards to employees that need them for business expenses. Travel, meals, etc. They usually are very restricted and can be used at certain places as hotels, car rental companies, and restaurants.

Absolutely. Your credit score is based on the amount of money you owe, have owed or are in arrears. There is a formula used to compare your income to debt ratio. The higher the debt compared to your income, the lower your credit score.

If a person worked as a cashier, they might be able to list all of their former jobs held that dealt with the handling of money when asked what cash register, bank deposits, credit card transactions, and IE balancing have been performed in the past.

Go to the nearest branch in your place to get the security code, to access the account in pag-ibig