how long do creditors want to see good payment history on my credit report to be considered good?
547357
Use the Credit Bureau sites. Read everything on these sites. They give good advice and guidance toward improving your credit record.   Each year you can now get a free report from each of them. You can also buy a report that includes you FICO score. This number will give you and potential lenders an idea of what to expect from you regarding repayment of debts.\n\nIt is more than just time. It matters what else is on your record, how stable your residence has been, even where and what kind of home you live in. It helps to learn which lenders are more lenient, and to start with them and work your way up carefully.
182613
Depending on the type of account(installment or revolving) it can take anywhere from 30-90 days. Their is no legal requirement that they report at all to the credit bureaus. The creditors do it so they can monitor their customers credit and have that power so you will be persuaded to pay on time.\n\nThis is called credit reporting lag. Also be aware that some credit card companies are now only reporting high credit(the highest amount you have charged in a month) and not balances and credit limits like they should.\n\nGood Luck
382345
Your credit should be in good standing. There is no other condition.
822474
They can write off a debt after unsuccessful "reasonable collection efforts" are exhausted - usually 90 days. I don't recall any laws stating any time period but only reasonable efforts to collect.\n\nLook in the agreement, it may have the proof you are looking for. Some creditors have their own criteria for this and document it in the agreement.\n\nHave you tried to negotiate it with them? That is pretty cold to do that especially when you have proof you actually moved.\n\nGood luck\n\n================
552948
You can't, you were late paying your mortgage.\nCredit reports must show an accurate payment history. And if you were late, then the reports are accurate. \nYour credit history shows how good or bad you are at paying your bills. Making 2 payments late is not the end of the world, but it is true.
368592
ask your family or friends with good credit to add you as an authorized user on his/ her credit account. Mainly someone who has had an account open for at least a couple of years and is in good standing...the same information will show up on your credit report as if you had that account also for a couple of years
181500
Hey Ryan~ You asked quite a few questions so I'm going to break my answers up so here it goes:\n\n"After I have paid off a collection and my credit report states that it is closed and paid in full"\n \nAre you SURE you owed the collectors? You may not have had a contractual or legal obligation to pay them. Did you ask for validation of the debt before paying? If not, even though you have paid them it is not too late to ask for the validation. If they cannot validate the debt, even though paid, you may be entitled to a refund of said monies as well as they cannot validate or verify the information with the credit reporting agencies.\n\n"do granters look past this." \n\nFor scoring it will not help your credit score. HOWEVER, if a creditor does a manual review of your credit then yes they may look past it as it has been paid especially for a mortgage. \n\n"On my current credit score I have 6 negative marks, 4 of the 6 are paid in full and closed."\n\nRemember what I said above about the paid accounts. For the 2 that are not paid; send them a debt validation letter by certified mail return receipt requested. You want them to prove to you that you have a contractual and legal obligation to pay them and not the original creditor. \n\n"From what I have read on here it seems to be a lengthly process of trying to get that mark removed before the seven years are up"\n\nIf they do not respond to your validation request send a copy of the certified letter along with a copy of the "green card" you get back from the post office for the certified mail to the credit bureaus along with a dispute of the tradeline in question. You have proof the debt cannot be validated therefore it must be removed according to the FCRA.\n\n"Is there any I can do to improve my credit score to get me great interest rates?"\n\nI don't know what your current scores are but yes there are several things you can do like continue paying your bills on time, lowering utelization on any accounts currently open. Do not seek further credit. Each inquiry can hurt you. With as many derogatories you currently have it may be difficult to get new credit. If you have a good history with your current creditors then you may want to consider calling them and asking them to lower your current interest or wave annual fees.\n\n"Also I have presented offers to the original creditors to pay the accounts in full if they will pull them back and none have taken any of the offers."\n\nThat is not uncommon. Try to work out a doable payment plan with the original creditor (OC) to pay off overdue balances. Do whatever you can to keep the OC from sending your account to a collection agency if at all possible. If you insist on continuing to make "offers" to the OC then make sure you're sending them in writing.\n\n"Correct me if i'm wrong but from my understanding once an account is sent to collections the original creditor is paid the unpaid balance in full from the collection agency and the agency comes after you and tacks on an agency fee?"\n\nOk I'm correcting you. In my opinion you're wrong. Some collection agencies may actually be "in house collectors" which means the collector is a paid employee of the original collector. Outside collectors are known as third party collectors or JDB's (junk debt buyers). In many contracts and states a collection agency may not be permitted to tack on additional fees which is why it's important to ask for validation so you will know what the fees are for if they are in excess of the OC. Many JDB's purchase debt for pennies on the dollar.
675618
Cleaning up old credit issues take time as effort on you part.\nDepending on your credit history, it may take 6-12 months \nBe persistent and don’t give up.\n\nIf you feel you still need help email me and I will guide you to your next step.
458379
Yes and no. If you have declared bankruptcy, 10 years. Non-payment and late payments...2-7 years. There is a reason people get bad credit...unless you change your ways, you will just keep on adding to the pile. 7 years is a very long time. Start today to clean it up, or nothing will have changed in 7 years. Good luck
1046655
Here is some information on an article I wrote back in December 2005\n\n"How long will collection or other derogatory information stay on your credit report?"\n\nCredit information can and usually stays on a person’s credit report for 7 years. You can use the information below as a reference to guide yourself and figure out how long derogatory information stays on your credit report\n\nGeneral credit information: 7yrs\nCollections: 7yrs from date of last activity\nBankruptcy: 10 yrs\nForeclosure: 12 yrs from the date filed\nGarnishment: 12 yrs from the date or entry or 7 yrs from the date satisfied\nJudgment: 12 yrs from the date or entry or 7 yrs from the date satisfied\nTax lien: 12 yrs from the date or entry or 7 yrs from the date satisfied\nDismissed garnishments, judgments, and tax liens: not reportable\n\nNow that you have this information I’ll give you an example similar to a client. The agent he had worked with before gave him the wrong advice.\n\nLets assume that you had a collection for $1,000 filed against you in December 1998 and you haven’t paid it. It’s now November 2005, so in a few weeks that collection can come off your credit report. (You will probably have to request all three credit bureaus to take it off your credit report). However, you just applied for a loan today and the loan officer tells you that you need to payoff that debt in order to be approved. Since you have the money to pay it off, you do so. Because the date of last activity is now November 2005, the collection will show on your report until November 2012 – another additional 7 years.\n\nNow let assume that this collection was in June 2005 and you pay it off in November 2005 to obtain the loan, this will reduce your credit score. On the other hand if this collection was in September 2005 and you pay it off in November 2005 to obtain the loan, this will actually increase your score. My point is that a collection account that is less than 6 months old and is paid off will be beneficial but if your collection account is more than 6 months old and is paid off this will be detrimental to your credit score.\n\nYou as a consumer can request copies of your credit report from the 3 credit bureaus (although it’s better to get a collective report from all three in one which I can help you with) and dispute information that is incorrect. Incorrect information can be corrected or removed but correct information (good or bad) usually stays on the report for the period allowed. Only the credit grantor (lender/bank) or credit bureau can remove correct information.\n\nIf you find incorrect information on your report, contact the credit grantor obtain an explanation, have them corrected and ask them to contact all three credit bureaus and correct that information on your report. After this you should also contact all three credit with a letter with documented proof of the error on your report and ask them to remove this information. The credit bureaus by law have to respond to your letter and request. Depending on your case they might approve or deny your request but they have to respond to your letter. Following are the addresses for all three credit bureaus.\n\nTrans Union\nPO Box 4000\nChester, PA 19022\n866-887-2673\nhttp://www.transunion.com/\n\nExperian\nPO Box 2002\nAllen, TX 75013\n888-397-3742\nhttp://www.experian.com/\n\nEquifax Credit\nPO Box 740241\nAtlanta, GA 30374\n800-685-1111\nhttp://www.equifax.com/
200993
If you just paid them of it will usually take about 30 days for that to reflect on your credit report.. how bad is your credit if is under 600 you should contact a company called nations point.. 800-770-4277 or H&R Block Mortgage  they usualle work with people that have less than perfect credit.. if you credit score is under550 you should waith or else your interest rate will be really high .. if your credit score is over 600 or better then call E-loan they have some really good programs .. that might be able sutable for you. I work in the mortgage industry
179729
Some Info:\n\nWhen an account is placed with a collection agency, they report it to you credit (yes, I know, you know that) but when you pay that account it doesn't come off you credit report. It simply gets marked as paid. it also shows how long it took for you to pay the account. \n\nOther factors also include the number of accounts, the frequency bad debts are reported to credit (i.e. how often you have a debt go to a collection agency)\n\nThese all factor in to how much your credit rating will decrease overall. A collection account on you record isn't good. But  haveing only one that is paid quickly will look much better than several or one unpaid. Most often times if someone looks at your report and you have 1 collection on there that was paid within 45 days of reporting, They will let it slide and it won't affect things very much They figure it was a miss communication. One account pd isnt that bad and so long its pd quickly and there is only one you will see very little change in you credit score longterm.
1097711
the credit reporting on your credit card will show you as 30/60/90 days late.  It will take you 6 months to a year to improve your credit score again with that vendor being the negative.  It will after the nearly 6 months upgrade to a good status as long as you keep your payment up each month and pay on time!
896888
If the creditors are older than 7 years you can request the credit reporting bureaus remove them. Unless it is items associated with bankruptcy which can remain on your credit report up to 10 years.\n\ngo to www.annualcreditreport.com and get your credit report, then look over them and read it for information on how to take care of incorrect items, out of date items, etc.
917093
If it has been over 4 years don't worry about it. You will actually do more damage to you credit by paying them off now because your credit is mostly about the last 2 years so if you pay them off now it will show up as a bad account now and drop your credit score.\n\nIf it has only been a year or 2 you can get a free copy of you credit report by calling the credit reporting agencies and it will have the name and contact info for all of you creditors on the last 2 pages.
3552
They dont.Even if you pay off the balance owed its still in the credit report for 7 yrs.The best thing to do is try to make arrangements with the creditors owed and set up a payment plan.This will reflect in your credit report helping to atleast raise your score back up.Becareful not to miss or forget to make a payment when you agree to make payments this will show that you are unable to commit to payment plans in the report.It will take up to 6 months reflecting your payment history to Equifax, and theres 2 more that i cant remember.
982090
Yes, you can by  asking the credit bureau, the best thing is \napply for a credit card if they approved you it means you do have a good credit and if not it means you have a bad credit.