影响你信用评分的因素影响你信用评分的因素

什么影响你的信用评分??

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不知道什么时候破产和其他贬损数据将不再出现在您的信用报告上?检查信用报告中记录的日期。一般来说,here's how long this information remains on a credit report

破产

一般来说,第7章11宗和13宗破产案在你的信用报告中作为公共记录项目出现,存档后长达10年。Chapter 13 bankruptcy records are sometimes taken off sooner,申请后7年,取决于信用报告公司的政策。When you receive an Order of Discharge in bankruptcy,your creditors should mark those accounts that were discharged as"包括在破产中”他们会在你的报告上呆7年。

CHARGE-OFF ACCOUNTS

一般来说,如果拖欠账户被注销,销账记录将在您的信用报告中显示长达7年。

封闭账户

一般来说,有关拖欠账户的负面或贬损信息保留在您的信用报告中长达7年。积极关闭账户(无逾期付款或其他拖欠)可能出现超过7年。

收款账户

一般来说,发送到托收账户将在您的信用报告中列出长达7年的时间,beginning 181 days from the most recent delinquent period before the collection activity.A collection account's status should change to"付费托收”一旦你付清了全部款项。If you settle with the collection agency for less,your credit report may list the account as"settled for less than full balance.

查询

When a creditor or lender checks your credit in connection with an application,你通常会看到“硬探究”on your credit report.一般来说,这些记录在你的报告上长达两年,and may lower your credit score slightly.当债权人审查现有客户的信用报告时,或者当你在线访问你自己的数据时,Asoft inquiry"typically shows up on your credit report.Soft inquiries don't lower your credit score or appear to businesses checking your credit.

JUDGMENTS

一般来说,most court judgments,including small claims,民事和儿童支助,从你的信用报告提交之日起,你可以在信用报告上呆7年。

逾期付款

一般来说,如果你逾期付款,the delinquency could appear on your credit report for up to 7 years.

TAX LIENS

根据联邦法律,city,county,state and federal tax liens could stay on your report indefinitely.一般来说,留置权支付后,它的记录保存在您的信用报告中长达7年,从付款日期算起。

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