How long do bad things stay on your credit report?

Answers:2   |   LastUpdateAt:2012-10-25 13:22:03  

Asked at 2012-09-14 23:29:04
My husband was unemployed for a while before he met me and mismanaged some credit card payments and student loans. This is now more than four years ago, and has since been on time with all payments. How long are the negative comments on your credit report ? MedlinePlus MedlinePlus In addition , there is a demand for money the lender agreed to forgive , but remains in your credit report . Can we do something about it ? I think the loan is sold to new companies ...
Answer1aimeeAnswered at 2012-09-22 08:33:02
Having gone through a divorce and unemployment , I went through the same thing. MedlinePlus The first thing we found is that you must oppose all elements of bad credit with the three major agencies . In many cases , the original pews were purchased and the records were lost in the transfer . If the credit bureau can not confirm within 30 days, was pulled. MedlinePlus Second, call each bank individually still around , explain. In this economy , tend to be more lenient and could only withdraw themselves. Be sure to point out how good your registration has been with the bank in the past four years . If it does not work the first time , try again in a couple of weeks . A different person may be more receptive . MedlinePlus The conclusion is that the bad report will stay on for seven years . Make sure at the time that comes out. MedlinePlus This can work . My credit score , it was awful is now at 800 . It takes time but can be done
Answer2keonnis johnsonAnswered at 2012-10-25 13:21:37
All articles, good or bad , stay on a credit report for seven years from the date of the debt. The more things outside their refusal is , the easier it is to get credit . MedlinePlus MedlinePlus As for the claim that the lender agreed to cancel , please write to the credit reporting agencies stating that the debt was settled and ask them to remove it . That does not mean they will, but if you can legally remove , they will. If not possible, notification will be sent back and tell you why they will not. MedlinePlus MedlinePlus Now , that said, if you type the letter and do not respond within 30 days , written again and tell you why not investigate the conflict , have to remove it by law , and they will have to . MedlinePlus MedlinePlus Getting familiar with the Fair Credit Reporting Act of 1974 and the Fair Debt Act 1974 Collection . These laws govern how they can collect and communicate, and if you are fucking , you can dispute those debts and have them removed , etc. Both laws can be found online . MedlinePlus MedlinePlus Good luck to you!
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