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How Long Does a Bankruptcy Remain on a Credit Report?

Q&A / By admin

John, I filed bankruptcy 7 years ago. I heard that bankruptcies have to be deleted after 7 years but it’s not. Are the credit bureaus breaking the law? Answer, No the credit bureaus are not breaking the law. Chapter 7 bankruptcies can remain on your credit files for 10 years from the date filed. Chapter …

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How Can I Get Tax Liens Off My Credit Reports?

Q&A / By admin

John, Thanks for your informative website. My question relates to your post about how IRS will remove a tax lien from your credit report if you pay off your debt to them in full. My question: I have a “State Tax Lien” that is filed on my credit report. Does this still fall within the …

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What’s a Good Credit Score?

Q&A / By admin

John , I have a 670 FICO score. Is that good? What’s a good score to have? Beverly Answer – Beverly, a 670 FICO score used to get you anything you wanted, about 5 years ago. Today it doesn’t get you much. 750 is the new “black” so you’ve got some work to do. Anything …

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How Can I Get Inquiries Removed From My Credit Reports

Q&A / By admin

John, Should I try to get old inquiries off my credit reports? Answer, Inquiries only count in your scores for the first 12 months they’re on your credit reports. So, if your inquiries are older than 12 months you’ll be wasting your time. There won’t be any sort of score benefit if you’re able to …

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How Many Credit Reports Do I Have

Q&A / By admin

Hi John, ok, what’s the real deal about credit reports? How many do I have? Beverly The Answer, Bev you’ve just identified one of most prevalent myths about credit reporting. The general consensus is that you have 3 credit reports, one each from Experian, TransUnion and Equifax. That’s incorrect. You actually have 4. Add Innovis …

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Does Age Count in Your Credit Score?

Q&A / By admin

John, My date of birth is on my credit reports. It’s not hard to determine my age. Do creditors look at that and do credit scores look at that? Answer You’d be surprised to learn that considering your age is NOT illegal or prohibited. Think about your insurance premiums…they are certainly determined by your age, …

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Should I Replace a Credit Card That Doesn’t Have a Credit Limit

Q&A / By admin

John I closed a Platinum AmEx because the unlimited credit limit actually shows up on my credit report as $0 credit. I opened an AmEx Blue account instead. Was that a good move? Answer If your goal is to get an account on your credit report that actually helps your revolving utilization percentage then yes, …

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Should I Pay Settled Debt?

Q&A / By admin

Hi John Last yr Cap One sent me statements on two accounts saying I owe money. I thought I settled these accounts and even made electronic payments but without a settlement letter. I had not heard from Cap One for almost 4 yrs and now they have added interest to the amount they say I …

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