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November 21, 2016Debt Collection, Debtor Rights, Lindh Foster, LLC Blog, Settling Debt

Hartford Credit Card Debt Lawyer Examines Negative Items on a Credit Report

Hartford Credit Card Debt LawyerNegative items that appear on your credit report can impact your credit score, so I’m often asked as an experienced Hartford Credit Card Debt Lawyer how long items stay on credit report? I always tell clients that it all depends on the debt.

It will take seven years from the last date you made a payment on a defaulted credit card or other loan. It also takes seven years from the date of which a judgement was later obtained on that defaulted loan. If that loan is written off by the company, it can also be seven years from the date upon which that loan was written off. If you file for bankruptcy, that will stay on your credit report for ten years.

If you must, you can reach out the three credit reporting companies and make a note on your credit report about an item.  The Fair Credit Reporting Act gives the right to add a note to a negative item that’s in your credit report. This right can be exercised, but you need to do it with caution and the commentary needs to be short and to the point.

If you are dealing with a negative item on your credit report, contact dedicated Hartford Credit Card Debt Lawyer Eric Foster to guide you through the process.

This informational video was brought to you by Attorney Eric L. Foster, an experienced Hartford Credit Card Debt Lawyer.

 

About the author

Lindh Foster, LLC

Connecticut Business Lawyer & Debtors Rights Attorney, Eric Foster of Lindh Foster, LLC, has been practicing law for over 25 years in Connecticut, New York and Hong Kong, China. As a Connecticut Business Lawyer, Eric Foster’s legal practice currently centers around representing small businesses and entrepreneurs, in selecting their business structure, forming their businesses, and managing their business transactions. As a former attorney at the Federal Reserve Bank of New York where he focused on the regulation of banks’ lending activities, Attorney Foster is also a passionate consumer advocate and a member of the National Association of Consumer Advocates (NACA). As a Debtor Rights Attorney, Attorney Foster enjoys advocating for and representing consumer debtors in connection with credit card, student loan and other debts they allegedly owe creditors and debt collectors.

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