We have paid our bill consistently on time. Due to a financial and medical hardship we want to offer to make a settlement to the credit card company and close two accounts. Will this settlement offer become negative on our credit reports since we have never missed a payment but just are seeking to close these accounts.

I am curious as to whether mortgage lenders have access to the balance on a lenders credit cards? I know they can access credit reports that inform them whether you have made any late payments but wanted to know if they have access to information to let them see how much you currently have borrowed on your credit cards? Same goes for current account balances?

Will neagative items fall off when the statute of limitations has been reached or 7 years. Or whichever comes first?

I live in Kansas and our SOL is quite low compared to the magic 7 years for credit reports. Say the SOL for credit cards is 3 years. Does that mean they will fall off in 3 or 7?

Thanks.

Will the misspelled name show up somewhere in the credit report even if your application was denied?
What I mean is: Will the misspelled name show up somewhere in the credit report even if your application was denied?

My sister was evicted from her apartment last year and has been living at home since. She was 30 days late on rent because she had lost her job and was in the middle of a messy divorce. She has always been good with her finances in the past; however, her financial troubles hit at the same time and put her in a bind.
My question is: She is looking to get an apartment with me since my lease is up, our parents are moving out of state, and we have no other family or friends that have room to take her in. I have no prior evictions so would a landlord look at the application and be willing to rent to us if one of us has eviction history and the other does not? Her credit history is only messy around the time of her eviction, meaning she has a charge off on one credit card for $400, which she paid in full and another charge off for her car, which they repossessed (yes I know its a lot, but I’m not writing to have people judge her, so please only answer the questions) She has been up to date and paying in advance all of her bills for the last six months, since she got a new job. We compared credit reports so I know exactly what is on hers. My credit is excellent. Please only serious answers. We are looking to rent in a complex and are trying to avoid renting a single family home. However, if that is our best option, we will take it. Thank you in advance!

What Affiliate Program do you think is best?

a. It is hard to compare affiliate networks. They work differently for different affiliates depending on what merchants they use. Acclaim Network has top-performing affiliate programs for credit related offers such as credit cards and credit reports; other networks are much better if you’re looking to promote wine. Similar for Amazon with Books.

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