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If you fall behind on payments, the lender or creditor may transfer your account to a collection agency or sell it to a debt buyer. This generally occurs a few months after you become delinquent, or the date you begin missing payments or not paying the full minimum payment. Credit Repair has been the 31 remedy to assist in removing these kinds of accounts.
Bankruptcy is a legal proceeding involving a person or business that is unable to repay their outstanding debts. Bankruptcy is handled in federal courts, and rules are outlined in the U.S. Bankruptcy Code.
A record of a request for your credit report is called a credit inquiry. You’ll see an inquiry on your credit report anytime someone pulls your report from one of the 3 major credit bureaus: TransUnion, Equifax, and Experian.
Personal data contained in your credit reports, such as your name, addresses, employment history and Social Security number, is known as “personal information.” Your reports reflect the identifying information that your creditors give to the agencies when you complete a credit application.
Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations. Loans made by the federal government, called federal student loans, usually have more benefits than loans from banks or other private sources.
A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.