Tag Archive: credit report

An old debt isn’t on my credit report – do I still owe it?

What does it mean when an old debt is not on your credit report? So, you just checked your credit report and you couldn’t find an old debt you know that you owed. Or, a debt collector just contacted you about an old student loan they say you still owe, but you checked your credit […]

In debt? You’re not alone

A new study shows that a whopping 77 million Americans has debt that’s listed on their credit report as being “in collections.”  That’s 35% of adults who have credit files.  And this debt is spread around all over the country, even though a higher percentage of it is in the South. The student was released […]

Credit scores: Not all that and a bag of chips

Without a doubt, one of the most frequent questions I get is about credit scores. The question is always some version of: Will a bankruptcy ruin my credit score forever?
Americans have an unhealthy obsession with bad credit, as though a credit score were an indicator of self worth. This obsession is unnecessary. […]

How long does a bankruptcy stay on your credit report?

Bankruptcy filers who would like to rebuild their credit are justifiably concerned about how long a bankruptcy can appear on their credit report.
The answer is that bankruptcy information can stay on your report for 10 years. Most other types of negative information can be reported for 7 years.
Usually, a Chapter 7 stays on a […]

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