Credit
The procurement of money, goods and/or services in exchange for a pledge to repay the amount at a future date
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All judgement, regardless of bureau, stay on for 10 years from the date filed. Hope this helps! The previous answer is...
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First step is to order a copy of your credit report from each of the National Credit Reporting Agencies, Experian, Equafax, and...
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The law says you do. The FCRA says you are allowed to have 1 free credit report from each credit bureau every year. If you want...
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The length of time items are displayed on a consumers' credit report is established by the Fair Credit Reporting Act, a federal...
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Charged-off does not mean that you no longer owe the debt or the interest on it. It is an accounting entry that prevents the...
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Ordinarily, that would be fraud, but from the credit card co. standpoint, you accept responsibility once you make a purchase on...
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No.
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An unpaid collection account will remain on your credit report for 7 years from the date the account was reported by the...
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Not usually. They will place it on the person who was treated at the time. Unless other arrangements had been made (i.e. You...
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AnswerWell, this is a good question! Now, if you go to Australia, you are definitely going to have bills and loans to pay off...
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It depends on what you mean by "audit". It's extremely hard to touch TX accounts, due to strict guidelines. It depends on balance...
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They are probably raising it because your credit score is lower due the outstanding debt. This being said, a credit card company...
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Like any other debt you are responsible for, it can be reported to credit reporting agencies as a debt you owe. Owing money is...
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If the account is a joint account (bill comes in both of your names), then yes, it will be reported to both of your credit...
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Depends on how it was filed, but the judgment itself is valid a minimum of 5 years once it is awarded. Details can be found at...
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Criminal record checks (local jurisdictions and federal) are fairly standard for most employers. However, unless there is a nexus...
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In order for a late payment to affect your credit history and FICO score, the payment must be a full 30 days late from the...
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Depending on when in your billing cycle the payment was made and what the company's reporting policy is, I would say generally...
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Many people think you cannot get a credit report without a Social Security number. However, yes you can, with a TIN # or name...
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Before you start using a student card, decide what it will be used for. Remember that a credit card limit is not free money. It...
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A credit card system is a type of retail transaction settlement and credit system, named after the small plastic card issued to...
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No, but the inquiry, if too many are done, can have a negative effect. Correct, but remember that only credit inquiries...
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Although late payments (especially those over 60 days delequint) will have a strong negative effect on your score much like a...
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The 7 years begins on the date of last activity. THE CORRECT ANSWER TO THIS QUESTION IS.....THE 7 YEAR REPORTING PERIOD STARTS...
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They can do this as many times as they want. This is how they ruin your credit. Every time someone requests your credit report,...
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Here's what can go in a credit report: Includes your name, address, marital status, your date of birth, number of...
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Yes. Co means equal. You are both equally responsible for the loan. Find out what car dealers don't want you to know at...
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AnswerYes. Remember that credit repost are usually any where from 30 to 90 days behind. So, if a debt was originally $100.00 when...
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This question would need to be more detailed. It would depend on the text of the letter.
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If you are listed on the account and she files bankruptcy, you are liable for the amounts on the cards. You may be able to get...
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this law is totally made up and anybody theat believes in this law should go buy an icecream
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The question is a little vague, however here's what I can say: IF, and it should have been, the repossession was first put on his...
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First you start by filing against the individual. After which if the courts find in your favor the following will apply. A...
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Yes it does effect your credit score some how when u check it your score drops alittle. because i check my credit score to take a...
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If you mean... Your payments are due May 5th and you pay May 5th payment on June 3rd... Then yes, they cannot report Mays...
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Having a good credit report means it will be easier for you to get loans and lower interest rates. Lower interest rates usually...
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Judgments on Credit RecordsThe Fair Credit Reporting Act [15 USC Section 1681c](a)Information excluded from consumer...
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Once it is reported to the credit reporting agencies, it is very tough to have it removed. However, you can get them to mark it...
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AnswerMy first response is: have some self respect and don't borrow what you aren't going to pay back. You still owe the balance,...
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A lien is always against real property, such as a house. this prevents the property from being sold or used as collateral. A...
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secondary production is the conversion of raw materials to finished products. this is the second stage of production.
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At the end of your CBR there should be a list of the names and addresses (sometimes phone number) of all creditors involved in...
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I did. In fact, my first card was a gold card. I had no job, hadn't had one for years. Nor did I have any other form of income....
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Collection agencies cannot do anything but attempt to collect the debt -- via phone calls mostly which is a pain, but you don't...
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Unsecured debt elimination is based on accepted accounting procedures. In arbitration the issuing company is asked to show their...
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My guess is that they probably can still list a repo on your credit report. Normally you get a double-hit on your credit report...
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Yes you can, if approved it will show positive on both reports.
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It can so long as you do not rack up your balances accordingly. Credit bureaus use a debt to available credit ratio to assist in...
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Contact all 3 major credit bureaus Equifax, TransUnion & Experian. Send the letters to them certified or by registered mail.
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The debts which were wiped out in bankruptcy still stay on your credit report, but they should be listed as "Discharged in...
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if your still in the store yes, call the bank and request a stop payment if the store is unwilling to void the transaction. ...
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I would say it depends on a real crucial issue: Are you part owner of the business? If not, his liens and/or credit issues...
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No. You can only claim debts that are in your name. The other person took the responsibility to allow you to use his/her card...
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7 years. Medical bills do not ordinarily show on a credit report. IF a medical related debt is defaulted and turned over to...
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The general way to raise your credit score: 1. pay your bills (including your credit card bill) on time. 2. keep your balances...
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This is the link to Target's accepted payment...
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If the bill was in your name, there is really nothing you can do about it. Sorry, but... the CR's are not concerned if your...
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Here are the lyrics. (To the best of my knowledge)A young man with ambition met an old man at the topAsked him if he had a secret...
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When disputing information on your credit report for the first time, the disputed information is not calculated into your score...
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It means you have okay credit. Not great, not terrible. You'd probably qualify for a loan but wouldn't get the best terms.
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AnswerYesOnce a collection account is reported to your credit history, its origin no longer matters. If money is owed and it gets...
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Goodwill is an asset to the entity .Hence, the same will always be with debit balance. Companies should not recognise goodwill,...
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Elaborating on the below answer, yes possibly initially for a month or two; just the length of time it would take for the credit...
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AnswerI would accept the offer. Sometimes they list it as settled, sometimes paid off AnswerIf you accept an offer of less...
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Well, I am assuming that you simply cannot afford to pay them. A few years ago you could claim bankruptcy and you wouldn't have...
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personal identification number1972
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The seller has what's called a credit card merchant account. That is a relationship with Mastercard and Visa (and/or American...
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The short answer is yes you can. Ofcourse it all depends on how bad your credit is.
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The first step if you do not have a reporting account with the credit bureaus is to file a civil suit against them and win. (Be...
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Dispute! Write a dispute letter to the CRA's. Then they have to investigate within 30 days. OR, join the 30 day credit check...
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Net credit margin is net interest income minus net credit losses, as a percentage of average managed outstanding balances
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AnswerIf you have a job that pay's $1400or more a month and your 18 or older you could get financed on your on,with 70% down.i...
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Since 1986 No Money Down programs have counciled developing credit by withdrawing funds from one credit card & using it to pay...
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No.
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It's a very average score. Not amazing, but definitely not terrible. About 48% of American consumers have about the same score....
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Mortgage companies or lenders essentially use two resources to "locate" derrogatory or delinquent accounts such as unpaid or past...
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I can't answer your question specifically for TX. Here's some general information on that ...
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Only if it is a "check card." Debit cards require a PIN number, but many banks have switched to check cards that can be used as...
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How embarrassing! It is more like a red flag (to you) that you have an issue with the credit card company. It could be in error,...
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No. If the account has been closed, you would need to re-apply if you wanted an account.
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You must have some sort of valid credit rating in order to get the mortgage to begin with (unless you went through one of those...
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Yes. You can get them removed. ** By law (the FCRA) all ACCURATE information stays on a credit report for 7.5 years. You can...
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You cannot use anyone's card without permission. If you were charged criminally for stealing, the burden would be on you to prove...
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This happens to alot of people due to the massive confusion about which medical bills will be covered. People generally wait to...
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This should not show up on your personal credit report, but if you jointly apply for a loan (it is usually required that both...
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Yes. I co-signed for an auto loan and the other borrower filed bankruptcy without notifying me. I was in the process of buying a...
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The lien would be ineffective against property owned by a legally married couple as tenants by the entirety. A lien would be...
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Yes, Nevada allows wage garnishment, but the creditor will have to sue in the appropriate Nevada court. An "abstract of...
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650 is considered very good, meaning creditors will be making you offers, good ones. 650-620 is good, everything under 620 is...
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You can if you set up a merchant account-the choice is yours. if you want an easy way to take them-set up a paypal which is free...
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Yes. And it will make a difference in your income to debt ratio.
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Yes it's called FRAUD if the purpose of the lie is to defraud money - the company can refuse or revoke the card and demand...
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Yes. The original creditor more than likely put the item on first, then sold the account to a collection company who after...
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If you legitimately owe the debt, you should pay it, regardless of the statute of limitations or any adverse affect of it being...
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AnswerYes, If the co-signer gets "dinged" on the credit report just like they where the signer
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YES its bad you dont get the lowest interest rates IF lenders will loan to you 7-10 years
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Sumbit a dispute based on inaccurate information and let the credit report agency find them for you.
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