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Invisibleferrel_human
stone eater
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Registered: 06/26/09
Posts: 16,331
Loc: Texas Flag
just viewed my credit report
    #12665916 - 06/01/10 11:00 AM (13 years, 8 months ago)

it seems i got about 6 years to get all the bad shit off the record.

anyone know if the good stuff goes with it?

and BTW, if you pay to delcare bankrupt, its the same as just leaving everything there. you still have to wait about 7 years for it to go away.

just a heads up for anyone considering that cause i think its a total waist of money.

you have to save up to be broke.:facepalm:


--------------------
Nature is my church and walking through it is gospel. It tells no lies and reveals all to those who look, and listen, closely.
-Karode


Looking for Mimosa tenuiflora seeds. Buttons for trade


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OfflineManianFHS
living in perverty
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Registered: 07/06/04
Posts: 14,790
Last seen: 16 hours, 30 minutes
Re: just viewed my credit report [Re: ferrel_human]
    #12666598 - 06/01/10 01:11 PM (13 years, 8 months ago)

i filed for a chapter 7 like 5 years ago and it was a horrible decision.

i think you have to wait 10 years


--------------------
notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... "

ChrisWho said: "It's all about the journey, not the destination."


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Invisibleferrel_human
stone eater
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Registered: 06/26/09
Posts: 16,331
Loc: Texas Flag
Re: just viewed my credit report [Re: ManianFH]
    #12667161 - 06/01/10 03:07 PM (13 years, 8 months ago)

with bankruptcy or with out?

the equifax report, i think they're the one, give you the date when they'll be off the record. got one coming in 2014, 2015, and the last one is gone in 2016.

sounds good to me. i'm using my father in laws credit and he is using mine to pay for the silverado i had. i pay for a malibu i bought my wife.


--------------------
Nature is my church and walking through it is gospel. It tells no lies and reveals all to those who look, and listen, closely.
-Karode


Looking for Mimosa tenuiflora seeds. Buttons for trade


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Invisiblespock
journeyman
Registered: 08/26/03
Posts: 1,165
Re: just viewed my credit report [Re: ferrel_human]
    #12667225 - 06/01/10 03:23 PM (13 years, 8 months ago)

Although I've never declared bankruptcy, It does stop wage garnishments if you
have been sued by creditors. Not sure how it all works but I know someone
who was getting garnished something like 25% of their paycheck and still paying
income tax on  money they were not getting. Not sure it was a good idea or not.

I'm in debt but would really have to weigh the pros and cons before considering
bankruptcy.


Peace

Spock


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OfflineSprezzatura
Virtuoso
Male

Registered: 10/01/09
Posts: 2,637
Loc: On the Atlantic Ocean
Last seen: 11 years, 4 months
Re: just viewed my credit report [Re: ferrel_human]
    #12667397 - 06/01/10 04:01 PM (13 years, 8 months ago)

My credit score is 750, I had a delinquency 8 years ago, and it's gone.

Never declare bankruptcy.

Having a delinquency isn't the end of the world for your credit.  All you have to do is open and maintain new lines of credit. 
"No credit is worse than Bad Credit"

Get a credit card, even if it's a secured credit card, and use it to buy gas, and gas only... pay it off IN FULL every month, don't miss any payments, and your credit score will go up.

Once you have established yourself for about a year, open a new line of credit... finance something... like a car, make good car payments for a while, and lenders and creditors will usually overlook any delinquency you've had in the past, depending on what it was.

Make sure you work on raising your credit score, if you have any ambition to own property and to be a functioning member of society in the future, it's important.


--------------------
Spectaculorum procedere debet





:mushroom2: :beer:


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Invisibleferrel_human
stone eater
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Registered: 06/26/09
Posts: 16,331
Loc: Texas Flag
Re: just viewed my credit report [Re: Sprezzatura]
    #12668455 - 06/01/10 07:08 PM (13 years, 8 months ago)

they won't give you your score for free. you gotta pay fo that. no one will give me credit anyways.

i'll just wait the time and start all over again.:shrug:


--------------------
Nature is my church and walking through it is gospel. It tells no lies and reveals all to those who look, and listen, closely.
-Karode


Looking for Mimosa tenuiflora seeds. Buttons for trade


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InvisiblePrisoner#1
Even Dumber ThanAdvertized!
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Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
Re: just viewed my credit report [Re: Sprezzatura]
    #12668520 - 06/01/10 07:20 PM (13 years, 8 months ago)

Quote:

Sprezzatura said:

"No credit is worse than Bad Credit"





I have no credit... I'm still not wanting credit, they want me to but fuck a buncha bankers


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OfflineSprezzatura
Virtuoso
Male

Registered: 10/01/09
Posts: 2,637
Loc: On the Atlantic Ocean
Last seen: 11 years, 4 months
Re: just viewed my credit report [Re: Prisoner#1]
    #12668670 - 06/01/10 07:52 PM (13 years, 8 months ago)

Quote:

Prisoner#1 said:
Quote:

Sprezzatura said:

"No credit is worse than Bad Credit"





I have no credit... I'm still not wanting credit, they want me to but fuck a buncha bankers





Hmm, I got the impression you were older from your other posts... how'd you get through life, thus far, without credit?  Just curious.

cheers


--------------------
Spectaculorum procedere debet





:mushroom2: :beer:


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OfflineKada
Asha'man
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Registered: 02/15/05
Posts: 12,394
Loc: Buckeye Flag
Last seen: 1 day, 12 hours
Re: just viewed my credit report [Re: Sprezzatura]
    #12668790 - 06/01/10 08:13 PM (13 years, 8 months ago)

I have 4 bank loans and 2 school loans that are a few years overdue. I'm kinda boned credit wise. I'm just waiting for the day that I have to rush to declare bankruptcy so they don't sue my ass off. I know the school loans won't go away, so we just deffer them until we can pay a few other places off first. It was surprisingly easy to fuck up the credit game. When we are finally square with creditors I don't EVER want to hear the word credit again. Straight up cash or nothing damn it.


--------------------
~The Cultivators Motherload~

"I am free, no matter what rules surround me. If I find them tolerable, I tolerate them; if I find them too obnoxious, I break them.
I am free because I know that I alone am morally responsible for everything I do." -Robert A. Heinlein

"There is no need for temples, no need for complicated philosophies.
My brain and my heart are my temples; my philosophy is kindness."-Dalai Lama

Live long and prosper.



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OfflineSprezzatura
Virtuoso
Male

Registered: 10/01/09
Posts: 2,637
Loc: On the Atlantic Ocean
Last seen: 11 years, 4 months
Re: just viewed my credit report [Re: Kada]
    #12668819 - 06/01/10 08:18 PM (13 years, 8 months ago)

Well man, I hope you get a lot of cash, because it's hard to buy a house these days without good credit.
Unfortunately, thems the breaks.


--------------------
Spectaculorum procedere debet





:mushroom2: :beer:


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InvisiblePrisoner#1
Even Dumber ThanAdvertized!
 User Gallery

Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
Re: just viewed my credit report [Re: Sprezzatura]
    #12668848 - 06/01/10 08:22 PM (13 years, 8 months ago)

Quote:

Sprezzatura said:
Quote:

Prisoner#1 said:
Quote:

Sprezzatura said:

"No credit is worse than Bad Credit"





I have no credit... I'm still not wanting credit, they want me to but fuck a buncha bankers





Hmm, I got the impression you were older from your other posts... how'd you get through life, thus far, without credit?  Just curious.

cheers





I paid cash for everything


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OfflineAtlantic512
Conisewer
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Registered: 01/29/10
Posts: 262
Loc: Abilene - Austin, Tx
Last seen: 11 years, 3 months
Re: just viewed my credit report [Re: Prisoner#1]
    #12668991 - 06/01/10 08:48 PM (13 years, 8 months ago)

Having no credit is better than bad credit...


--------------------
The only way we can change the world is by Global Non Compliance, if knowbody joined the army there would be no war, knowbody goes to work the system stops running, were holding up the bars to our own cage, revolt before it's too late, the people are the biggest army in the world!!!

Peace to all :stoned:


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