Credit Problems?
Answers:
It will take 7 years before it's been deleted from your credit history BUT you still can do many things to improve your credit : http://cleancredit365.com
Good luck !
Credit card accounts stay on your credit report for 7-years.
Normally it's 7-years from the date of first delinquency.
Bankruptcy would have been a better alternative than a charge off. Why? Once you file bankruptcy you cannot file again for 7 years. Companies know this and therefore can garnish wages if you cannot pay. With a delinquincy, companies are more hesitant to give you credit because they know you can file bankruptcy at any time. A bank may give you a loan at a less than ideal interest rate. I would suggest buying a car and paying it off soon. This will help your credit score considerably. It will also show a bank that you are on more financially sound ground than before. If a mortgage will cost you more than 35% of your combined income, you should never purchase that house, condo, etc. When buying a house don't make the mistake most people do and only see the mortgage. You must also pay for utilities, maintenance and property tax.
There are lots of queries on credit cards and people asking it now and then. Credit Cards are often used both<!--online and offline. You need to choose the better credit card for you. For more information, Please visit,
http://buyfreecreditcards.blogspot.com/...
Everything you need to-->know about credit cards. Hope this helps. Thanks.
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