Sentences with phrase «public record items»

Offers an explanation about a particular trade or public record item on your report, and it displays with that item on the credit report.

Public records items don't impact your credit score, so if you are looking for a clean report sooner rather than later, you should try and settle.

Your missed payments and most types of public record items will remain on your credit report file for 7 years, with the exception of Chapter Seven, Eleven and Twelve bankruptcies, which remain for ten years, and tax liens that remain unpaid, which will remain on your credit file for up to fifteen years.

The filing date is used in credit reporting to help determine the length of time a bankruptcy public record item remains on the credit report: 10 years for a Chapter 7 and, typically, seven years for a completed Chapter 13.

Bankruptcies are also public record items recorded in county courthouses and transferred to consumer reports.

Public record items purge after ten years.

Missed payments and most public record items remain on the credit report for seven years, with the exception of consumer bankruptcies, which can remain for up to 10 years.

Generally, Chapter 7, 11 and 13 bankruptcies appear as public record items on your credit report for up to 10 years after filing.

No negative public record items (e.g. foreclosure, repossession, open judgment, unpaid tax lien, etc.) for the past seven (7) years; and

Courthouse records - It consists of public record items that have been obtained from local, state or federal courts.

What this all points to is that you should be considered for a mortgage beginning in July 2016, your credit cards included in the bankruptcy should fall off of your credit report around October 2017 and your Chapter 7 bankruptcy public record item should be removed from your credit report in July 2021.

A tax lien is one of those public records items that appears on your credit report and can drag down your score.

The lien is a public record item, which is collected and reported to the bureaus.

«If you have negative information on your credit reports, such as late payments, a public record item (e.g., bankruptcy) or too many inquiries, you may want to pay your bills and wait,» Experian advises.

Keep in mind that these dates refer to the public record item associated with filing for bankruptcy.

If the consumer has paid all of the money the court says he owes, the public record item is satisfied.

A tax lien is one of those public records items that appears on your credit report and can drag down your score.

The third is public record items.

This reason code refers to a serious delinquency accompanied by a third - party collection agency debt or public record items, such bankruptcies, foreclosures, lawsuits, wage attachments, tax liens and judgments.