Separate names with a comma.
Discussion in 'Credit Talk' started by Erica, Apr 28, 2001.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit.
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
Although itâ??s been awhile since I last read the NY statute youâ??re referring to, as far as the reporting limit. I donâ??t recall that it differentiates between different types of debt, which means your credit cards should fall under the same rule. Although if Pat (whatever happened to him?) were here, Iâ??m sure heâ??d offer more clarification.
However Iâ??m fairly confident the NY statute does in deed include all debts. That is, without researching the issue more thoroughly. Be that as it may, you can research the cite yourself by logging on to www.FindLaw.com, clicking on state statutes and running a search under New York and then credit or credit reporting.
I also live in NY and I had a charge-off of an Amex green card. It fell off my credit report 5 years after the original date of the charge-off (and not the date of last activity, which was updated when I paid off the debt). All 3 of the bureaus did it the same way.
NY Credit Bureau reporting info
Under New York State Consolidated Laws, General Business catagory, ARTICLE 25 Fair Credit Reporting Act <http://assembly.state.ny.us/leg/?cl=44&a=53>
S 380-j. Prohibited information.
f) (1) Except as authorized under paragraph two of this Consolidated Laws - credit reporting laws subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information.
(ii) judgements which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period; or judgments which, from date of entry, having been satisfied within a five year period from such entry date, shall be removed from the report five years after such entry date;
(iv) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years;
Sweet! Thanks Linda.
You and I have been helping each other alot lately, haven't we?
Sears is a little different. Sears credit card debt is considered a secured debt. It is secured by the merchandise you purchased with it. Therefore, Sears falls under the secured debt SOL which is usually 1 to 2 years longer than the unsecured debt SOL in most states.