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  1. #51  

    Default Re: Did I Just Get a Free Nexus 4? And Should I Tell Google About It?

    Quote Originally Posted by Brackstone View Post
    It's not just about "Credit Ratings" it's about Credit History. If you have a "non-payment" for ANY reason on your credit report if you want to live someplace nice they will not rent to you. Unless you are planning on living in the ghetto or with your parents the rest of your life credit history is very important. Credit Ratings are another story.

    Then again you are "OG" so I guess you are never planning on leaving "the 'hood" :P
    I'm not advocating his position but the "rest of your life" is overkill. Bad credit items roll off your credit report after 7 years. You can have the worst credit in the world but 7 years later you're a virgin again. Granted, a virgin with no credit history but at least you may be smarter by then and can begin to build a history.



    It does depend on the type of negative information but here is a breakdown of how long different types of negative information will remain on your credit report:

    Late Payments - 7 Years

    Bankruptcies for Completed Chapter 13 Bankruptcies - 7 Years

    Foreclosures - 7 Years

    Collections - Generally, about 7 years, depending on the age of the debt being collected.

    Public Records - Generally 7 years, although unpaid tax liens can remain indefinitely.
  2. #52  

    Default Re: Did I Just Get a Free Nexus 4? And Should I Tell Google About It?

    Quote Originally Posted by Bob Coxner View Post
    I'm not advocating his position but the "rest of your life" is overkill. Bad credit items roll off your credit report after 7 years. You can have the worst credit in the world but 7 years later you're a virgin again. Granted, a virgin with no credit history but at least you may be smarter by then and can begin to build a history.



    It does depend on the type of negative information but here is a breakdown of how long different types of negative information will remain on your credit report:

    Late Payments - 7 Years

    Bankruptcies for Completed Chapter 13 Bankruptcies - 7 Years

    Foreclosures - 7 Years

    Collections - Generally, about 7 years, depending on the age of the debt being collected.

    Public Records - Generally 7 years, although unpaid tax liens can remain indefinitely.
    Yes that's if everything goes "As Planned" I agree after 7 years you'll be fine.

    However I've had an instance where even though I paid off the debt the creditor kept listing my debt as being paid every single month. So it looked like (for the better part of 5 years) I always had a debt that was paid off just that month. To this day I still have a problem convincing people that it is an error on my report because some people still pull it up incorrectly. All because I told ATT to cancel my phoneline and I didn't bother to open my letters from them thinking they were "HEY PLEASE COME BACK!" letters not more bills!

    Also my point was more to be that if he was making this a habit (IE skipping out on bills every few years or so).

    Also if we figure he is 21 (old enough to order his own cell + afford it) that means he'll be 28 by the time he can rent a decent place? I'd say that's a good chunk of life.
  3. #53  

    Default Re: Did I Just Get a Free Nexus 4? And Should I Tell Google About It?

    You foks are rude, have no manners and take this sh*to too serious.

    You make apple fanboys looks cool. Relax. My personal beliefs have noting to do with the post a heand.

    I got charged, couldn't be happier. I'd like to be active and leard from you (based on phones).

    I may ZERO personal attacks

    -Dank (PROUND NEXUS 4 OWNER.
  4. #54  

    Default Re: Did I Just Get a Free Nexus 4? And Should I Tell Google About It?

    Quote Originally Posted by Brackstone View Post
    Yes that's if everything goes "As Planned" I agree after 7 years you'll be fine.

    However I've had an instance where even though I paid off the debt the creditor kept listing my debt as being paid every single month. So it looked like (for the better part of 5 years) I always had a debt that was paid off just that month. To this day I still have a problem convincing people that it is an error on my report because some people still pull it up incorrectly. All because I told ATT to cancel my phoneline and I didn't bother to open my letters from them thinking they were "HEY PLEASE COME BACK!" letters not more bills!

    Also my point was more to be that if he was making this a habit (IE skipping out on bills every few years or so).

    Also if we figure he is 21 (old enough to order his own cell + afford it) that means he'll be 28 by the time he can rent a decent place? I'd say that's a good chunk of life.
    I own my house.
  5. #55  

    Default Re: Did I Just Get a Free Nexus 4? And Should I Tell Google About It?

    Quote Originally Posted by Brackstone View Post
    However I've had an instance where even though I paid off the debt the creditor kept listing my debt as being paid every single month. So it looked like (for the better part of 5 years) I always had a debt that was paid off just that month. To this day I still have a problem convincing people that it is an error on my report because some people still pull it up incorrectly. All because I told ATT to cancel my phoneline and I didn't bother to open my letters from them thinking they were "HEY PLEASE COME BACK!" letters not more bills!
    If there are errors that you have reported to the credit bureaus that haven't been corrected, you might want to look into collecting . At one point, the penalty was $1000 per violation; that could be money going into your pocket. But I'm not a lawyer nor do I play one on TV.
  6. #56  

    Default Re: Did I Just Get a Free Nexus 4? And Should I Tell Google About It?

    I have a fun story for you... I purchased a nexus 4 from google play before christmas..paid for it and still have not gotten it. Every time i call they say a specialist is going to contact me and they do...by email..nothing get accomplished. Im at wits end with this. My opinion is that google sucks. This happened when purchasing a nexus 7 before that.
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