Sentences with phrase «effect on their credit history»

Bankruptcy has a long - lasting negative effect on your credit history, and therefore, considered to be one of the most serious credit damages.

During bankruptcy the debt is discharged and permanently forgiven, but it will have a major adverse effect on your credit history and your credit score.

Many department store credit cards will have a slightly more negative effect on your credit history than a card issued by a major bank.

Similarly, while we all make mistakes, missed payments on credit cards or loans you may have a negative effect on your credit history.

If a homeowner can sell the property during this time, he or she may be able to avoid foreclosure proceedings, and its negative effect on their credit history and future prospects (see Getting a Mortgage After Bankruptcy and Foreclosure).

The trustee will orally inspect the debtor to insure that they are aware of the potential risks and effects on credit history.

(1) the potential consequences of seeking a discharge in bankruptcy, including the effects on credit history;

This means that if you are opening and keeping open several accounts, then a cancellation here and there will have minimal effect on your credit history even when the 10 year period is up and those canceled accounts drop off your report.

Three nights free at the Ritz isn't worth the bother of a $ 450 card, remembering to cancel, effect on credit history and ability to get other cards, e.g. the 5/24 rule, like the upcoming Chase Reserve.

In terms of the effect on your credit history, a deed in lieu of foreclosure - where you voluntarily «give back» your property to the lender - or a short sale - when the lender agrees to write off a portion of the loan that is higher than the value of the home - is not as adverse as a forced foreclosure.

In terms of the effect on your credit history, a deed in lieu of foreclosure — where you voluntarily «give back» your property to the lender — or a short sale — when the lender agrees to write off a portion of the loan that is higher than the value of the home — is not as adverse as a forced foreclosure.

In terms of the effect on credit history, a deed in lieu of foreclosure or a short sale are not as adverse an event as is the forced foreclosure.

Not exact matches

Getting added to a credit card account with a poor payment history can have an adverse effect on your credit score.

That'll have less of an effect on the average age of your credit history (which accounts for 15 % of your FICO credit score).

Seeking new credit lines is a negative in the credit bureaus» credit score algorithms and, besides, until 12 months of payment history exist for each of the new accounts, the effect on a borrower's credit score is heavily muted anyway.

-- On November 10th, Real World History students had an opportunity to effect change in their schools when they met with the High School Credit Flexibility Task Force to share their thoughts about possible changes to credit recognition in DC Public ScCredit Flexibility Task Force to share their thoughts about possible changes to credit recognition in DC Public Sccredit recognition in DC Public Schools.

: w / Radius Arms Shock Absorber Diameter - Front (mm): 32 Shock Absorber Diameter - Rear (mm): 35 Stabilizer Bar Diameter - Front (in): 0.79 Stabilizer Bar Diameter - Rear (in): 0.59 Steering Type: Pwr Rack & Pinion Steering Ratio -LRB-: 1), Overall: 19.0 Lock to Lock Turns (Steering): 3.2 Turning Diameter - Curb to Curb (ft): 36.7 Turning Diameter - Wall to Wall (ft): 39.4 Brake Type: Power Brake ABS System: 4 - Wheel Disc - Front (Yes or): Yes Disc - Rear (Yes or): Yes Front Brake Rotor Diam x Thickness (in): 11.4 x 0.94 Rear Brake Rotor Diam x Thickness (in): 11.3 x 0.39 + EXTERIOR 2 - tone paint (2000) Raised roof line (2000) Roof rails w / crossbars Protective rear bumper step pad Front / rear body - color bumpers Body - color lower body - side cladding Aerodynamic body - color body - side ground effects molding Front / rear splash guards Automatic - off multi-reflector halogen headlights Multi-reflector halogen fog lights w / stone shields Daytime running lights Dual body - color fold away pwr mirrors Variable intermittent windshield wipers Fixed intermittent rear window wiper / washer Front Tire Size: 225 / 60HR16 Rear Tire Size: 225 / 60HR16 Spare Tire Size: Compact Front Wheel Size (in): 16 x 6.5 Rear Wheel Size (in): 16 x 6.5 Front Wheel Material: Aluminum Rear Wheel Material: Aluminum Wheelbase (in): 104.3 Length, Overall (in): 187.4 Width, Max w / o mirrors (in): 68.7 Height, Overall (in): 63.3 Track Width, Front (in): 57.9 Track Width, Rear (in): 57.7 Min Ground Clearance (in): 7.3 Rear Door Opening Height (in): 30.2 Rear Door Opening Width (in): 43.3 Cargo Area Length @ Floor to Seat 1 (in): 74.9 Cargo Area Length @ Floor to Seat 2 (in): 43.5 Cargo Area Width @ Beltline (in): 47.2 Cargo Box Width @ Wheelhousings (in): 42.3 Cargo Box (Area) Height (in): 33.2 Liftover Height (in): 25.2 Cargo Volume to Seat 1 (ft3): 68.6 Cargo Volume to Seat 2 (ft3): 34.3 + INTERIOR Reclining front bucket seats w / height adjustable head restraints 6 - way pwr driver seat Driver seat height adjustment (2000) Driver seat adjustable lumbar support Moquette cloth seat trim 60/40 split fold down rear bench seat Rear seat headrests on all seating positions Front / rear carpeted floor mats Tilt adjustable steering column Instrumentation - inc: digital dual - mode trip odometer, ambient temp gauge Tell - tale door ajar graphic display (2000) Pwr windows w / driver - side one - touch down feature Pwr door locks Remote keyless entry Cruise control Air conditioning Rear seat heat ducts Rear window defroster w / timer Electronic AM / FM stereo w / cassette - inc: (4) speakers, clock, weatherband Front 12 - volt pwr outlet & ashtray Woodgrain patterned dash 2 front / 2 rear cupholders Dual illuminated visor vanity mirrors Overhead console - inc: sunglass holder Lighting - inc: overhead map, glove box, cargo area, trunk Front seatback net pockets Cargo area 12 - volt pwr outlet Cargo area hooks Cargo area / trunk multibox storage tray Rubber cargo tray / mat Cargo area security cover Passenger Capacity: 5 Passenger Volume (ft3): 95.9 Total Cooling System Capacity (qts): 6.5 Front Head Room (in): 38.5 Front Leg Room (in): 43.3 Front Shoulder Room (in): 53.9 Front Hip Room (in): 51.3 Second Head Room (in): 37.2 Second Leg Room (in): 34.3 Second Shoulder Room (in): 53.6 Second Hip Room (in): 51.9 + SAFETY 4 - wheel anti-lock braking system (ABS) Driver & front passenger airbags (SRS) w / passenger dual stage deployment 3 - point seatbelts on all seating positions Height adjustable shoulder belts on front seating positions Child safety rear door locks Uniform child safety seat anchorage system Energy - absorbing collapsible steering column Front / rear 5 - mph impact - absorbing bumpers Side - impact door beams Daytime running lights + EPA Fuel Economy & Specification EPA Fuel Economy Est - City (MPG): 22 EPA Fuel Economy Est - Hwy (MPG): 27 Spare Wheel Size (in): - TBD - Spare Wheel Material: - TBD - Fuel Tank Capacity, Approx (gal): 16.9 Additional Photos Buyer Resources Contact Ebay Sales Department: for more information Toll - Free: [phone] Request More Info Vehicle Condition Service History 113,287 Miles No Known Mechanical Problems Options & Features Ext / Int Color GRAYwith Interior Luxury Features Air ConditioningClimate Control SystemCruise ControlWood Trim Power Equipment Power Driver's SeatPower MirrorsPower SteeringPower Windows Safety Features All Wheel DriveChild Proof Door LocksDriver's Air BagFog LightsKeyless EntryPassenger Air BagRear Defogger Interior Carpeted Floor MatsClockCup HoldersOverhead ConsoleVanity Mirrors Exterior Body Side MoldingsOff Road TiresRear WipersRoof Rack Audio / Video AM / FMCassette Financing Information Contact us today for more information, or fill out our Online Credit Application to begin the pre-approval process today.

Regardless of whether market rates have moved up or down, your credit history will have a profound effect on the interest rate you get.

Seeking new credit lines is a negative in the credit bureaus» credit score algorithms and, besides, until 12 months of payment history exist for each of the new accounts, the effect on a borrower's credit score is heavily muted anyway.

However, having an insurer check your credit history to determine your CBI score won't have an effect on your credit.

In addition to having an effect on the loans and loan interest rates offered to you, your credit history can also have an effect on the following:

For someone with a strong credit history, zero delinquencies, and so forth, an inquiry may have no effect on your score.

Credit bureaus do not receive information regarding debit card usage and history, so, therefore, debit cards have no effect on your credit Credit bureaus do not receive information regarding debit card usage and history, so, therefore, debit cards have no effect on your credit credit score.

But to give you some examples it looks at things like the length of time that you've been on the credit bureau, looks at things like payment history, it looks at how long that payment history has been in effect.

The recession has had its effect on the lives of people, to the extent that there is a considerable rise in the numbers of individuals with a bad credit history.

It cuts off your ability to build up your history and can have a negative effect on your debt - to - credit ratio mentioned above.

«The judgment appears as a public record in a credit report and has no direct effect on accounts included in the credit history,» Griffin says.

On the flip side, having or paying for insurance does not have much effect on your credit score, with the exception of not paying your bill on time (total payment history accounts for 35 % of your FICO scoreOn the flip side, having or paying for insurance does not have much effect on your credit score, with the exception of not paying your bill on time (total payment history accounts for 35 % of your FICO scoreon your credit score, with the exception of not paying your bill on time (total payment history accounts for 35 % of your FICO scoreon time (total payment history accounts for 35 % of your FICO score).

Because of the bad effect that late payment usually has on payment history, you may want to plea with the collection agency to help you withdraw the late payment from your credit report.

Judgments can remain on a persons credit history tyically for 10 years from the date of disposition, but may only remain in effect for 10 years from the date of filing.

However, bankruptcy is typically viewed as a last resort since it may have a negative long - term effect on your credit score and credit history.

The immediate effect of taking out a mortgage will likely make your credit score go down slightly, but over the next six months to a year, the positive effects of making your payments on time, plus adding another layer to your credit mix, will likely improve your overall credit history and therefore your credit score will also improve, the article states

The marks on your report from the late car payments will continue to stay on your report, but once you introduce a more recent history of positive credit usage, their effect will become less and less.

Taking any kind of cash advance itself has no effect on your credit score as well as applying for a credit card or a bank loan has any influence on your credit history.

These effects may not be entirely predictable, since they rely on your unique situation — how long your credit history is, your payment history, your use of available credit and other factors.

There are a multitude of other problems with this practice, problems like the high error rate that is commonly known to exist among credit reporting agencies; the reality that certain types of employment, jobs that are dominated by people of color specifically, actually have a negative effect on one's credit history.

There's also the negative effect a default can have on a person's credit score: Huynh says a person with a good credit history who stops paying their student loans could see their credit score drop by as much as 100 points.

Bankruptcy leaves a lingering black mark on your credit history, with the financial effects lasting for several years.

Paying card bill on time more important than credit utilization — Maxing out your card will have a negative effect on your credit score, however, the potentially positive payment history might just be worth it... (See Maxed out)

If you have a lot of cards, and a long credit history, it's more likely to have only a nominal effect on your score, as it did on mine.

Closing a credit card has no effect on the average age of your accounts or the length of your credit history.

A card with a long history will have a positive effect on your credit score, as does having more credit.

Moreover, the paper gets its history wrong when it notes that «Total cancer mortality rates did not decline until 1990, 25 years after the identification of the effect of smoking on lung and other cancers...» Well, actually, it was more like 50 years, because the earliest studies to connect smoking and lung cancer were conducted not by NIH - funded scientists but by Nazi scientists in the run - up to World War II.4 By the logic of the PNAS paper, then, ought we to be crediting the Nazi health science agenda with whatever progress has been made on reducing lung cancer, rather than the incredibly protracted and difficult public health campaign (that, for the most part, NIH had nothing to do with) aimed at getting people to cut down on smoking?

How filing bankruptcy will affect the debtor, including the effects of filing on the debtor's credit history.

That seems strange at first glance, but research has shown that using credit information to set prices has had a positive effect on claims and so the better your credit score, and the more positive your credit history, the better your premium for car insurance is apt to be.

A bankruptcy filing will remain on your credit history for 10 years, and will have profound negative effects on your credit rating.