Why the saloon that be tabled for $7,200 (Mazda Protege LX) finished up to $9,100?
Question:
The dealer said that the plate number costs + further cost + emission carrying out tests + safety trialling..Is this true ? When I was approved on their financing; it be $2,300 down and 300.00 a month for 3 years or 36 months. Interest rate is %9.25. Is correct..Help !!
Answer:
That sounds very typical. The seller lists one price, but next by the time they've thrown all the extra fees and charges higher than it, it usually ends up a couple of thousand more. This is the same at adjectives car dealer, whether you are buying used or new. If this is your first time buying a coup¨¦ from a dealer, I can know your shock!
But, hey, for what it's worth, what you've listed here sounds around right. It doesn't sound out of the monotonous to me.
yes that sounds about right.you get to throw in excise,tag and title and the interest could embezzle it up another couple of g'sss, so yeah. what year is it. i had 95 protege. pretty cool little motor and good on gas.
yes the close to to hide that. did you sign purchase agreements on the other hand. Tell them you are only going to pay8300 for the coup¨¦ then jump from there. 1 other entity on a 3 year you should have a rate of 6.5% check beside a credit union. i bet your peddler got you within that loan too.
good luck
HELP! How can I lolly a personal check-Banks are closed-?
Question:
I have nooo money and I inevitability to cash a check ASAP!! where on earth can I cash it at! ?? I am living ing albuquerque NM thankx -Amanda
Answer:
check cashing stores. or deposit contained by your account at the atm
can i become a verified ebay branch when i do not own credit/debit cards but do own a wall justification?
Question:
what is the process to become a verified ebay member to buy and get rid of on ebay when i do not have any debit/credit cards?
Answer:
YES you can. eBay allows contribution by cheque or money order. Here is what eBay say on the acceptable modes of payments for selling fees http://pages.ebay.com/help/account/payfe...
------------------------------...
Choose from a range of methods to pay your seller’s fees.
PayPal: PayPal is a undisruptive, convenient way to automatically settle up your eBay fees. When you sign up for monthly PayPal payments, your invoice amount will automatically be deducted from your PayPal tale each month. Or you can trademark a one-time payment using your PayPal side.
Direct Pay: With Direct Pay, eBay will automatically deduct your monthly invoice amount from your checking reason. This option is available to seller billed in U.S. dollars next to U.S. bank accounts. To sign up for Direct Pay , you will have need of to provide eBay with your wall account and routing numbers which are shown on the bottom of your checks. Or you can sort a one-time Direct Pay payment from your checking statement. Your payment will be posted to your eBay narrative within two business days.
Credit card on directory: Each month, eBay will automatically charge your invoice amount directly to your credit card you place on file (Visa, MasterCard, American Express, or Discover Card). Your credit card will as a rule be charged five to seven days after you receive your invoice. You can also make a one-time donation with your credit card.
Check and money direct: After they are received, check and money order payments rob seven to 10 business days to process and post to your account. Please remember that this does not include weekends and holidays.
Note: When making clearance by check or money order, you must submit a reimbursement coupon along with your check or money directive and mail it to the address on the coupon.
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If you simply want to buy and not vend, here is ebay's registration information http://pages.ebay.com/help/newtoebay/reg...
you cant become a verified paypal user, some people merely except paypal,, be careful of ebay though, some things are cheaper at walmart, its the shipping that kill you,, beware of the shipping
the only passageway is to get a sandbank account next to debit card facilities or a credit card.
if you own difficulties gettin a debit card account step to natwest for a step account and recount them bout your credit problems so they dont try to sign you up for a different account.
i manage to get full debit card services from them even though i was insolvent...
What is the amount of money i enjoy to repay this winding up of month?
Question:
my account number is 10382658 can you give support to me as i would like to wage my bill tomorow ,i will like to know the exact amount that i hold to pay ,thank you especially much. MV Johnson.
Answer:
what are you talking almost??
What in the world are u chitchat about?
What characteristics of account? IS it a bill? Is it a loan? why on dirt would you post an account number on here for adjectives the world to see?
contact whomever the money is owed to and ask them!
GOTO YAHOO.COM THEY CAN HELP U! GOOD LUCK
If you are asking this question because you owe money to Yahoo for an expanded e-mail picture (or something else), try one of these numbers:
Yahoo! Customer Service Phone Number
1-866-562-7219 or 1-866-562-7228
What is the best channel to setup a budget for a middle income home?
Question:
3 person house, next to standard bills, Mortgage, elec, credit cards
Answer:
Here's what you need to know:
Creating A Budget: http://financialbasics.blogspot.com/2006...
Money Management For Couples:
http://financialbasics.blogspot.com/2006...
Good luck
The first step is figure out where every penny go. Write a list of adjectives your known expenses (mortgage, electric, insurance, mobile phone, etc) and then for the subsequent three months, don't spend a single penny without getting a delivery. Save all your receipts and at the termination of everyday, file them contained by envelopes marked "Gas", "Groceries", "Entertainment", etc. At the terminate of three months, you'll have a pretty well brought-up idea where on earth your money is going. You can't make a perfect budget without knowing your customs, and believe it or not, you have no theory what many of your behaviour are. MSN puts out some very angelic financial articles...I'd strongly recommend reading some of them.
See the sites below...also, Microsoft has a program that is to say able to sustain one to track checking, as well as, formulate a pay-off spending plan base upon data provided regularly in connection with all facet of budgeting...MSMoney may be worth the investment.
Dave Ramsey is an author of books designed to help you to oblige yourself -- out of debt. He has a current book on the flea market; however, I do not recall the moniker of it. As far as I know, he coined the 'snowball system' of debt reduction planning.
Most family do it the wrong waythey set up a standard budget, track expenses, cut back on convinced luxuries and at best after wasting a few months, they free up a relatively small amount of money to put into savings which they after stop doing later on because a brand new "necessity" comes up. This process is doomed to fail because most nation when given the chance, will find a use to call a luxury a necessity. So you obligation to think give or take a few your budget a different way than most empire do. The first step is to come up with a % of your bring home pay that you should put aside for short possession and long term reserves and then forget just about it. Typically this should be around 20%. Then set up a budget with the remaining funds...if you aren't competent to put away 20% then you want to change your standard of living contained by order to do so (although most race aren't willing to do this either)this is the best and merely process I know that is guaranteed to result surrounded by achieving the purpose a budget is supposed to produce which is long term financial stability.
Dave Ramsey have 2 books. One is Financial Peace and the other is The Total Money Makeover. Either or both will help.
My husband and I get ourselves on a budget, and for the first time we have control of our money. Dave's plan really works.
I own an Excel worksheet I've been using for years. I can email it to you if you're interested. Just agree to me know!
Why Do Some People Think It's OK To NOT Pay Their Credit Card Debt?
Question:
I've noticed profusely of questions that move about something "Do I Have Pay This Debt If ..." We all know borrowing money and not paying it backbone is wrong. Why do certain empire think it's OK to cheat someone when that someone is a colossal firm? Judging by the large number of posts in that seems to be like mad people who judge this way. If you're one of these culture, please post an answer. I would love to hear your rational.
Answer:
alot of citizens have a pretty nice income and consequently all of the sudden something tragic happen to them financially, they then involve to consider how to pay their bills and still survive. over a 10 year time my father put about 50,000.00 on personal credit cards to give a hand a failing business that he did not own. the business was bought by investor and he still have the credit card debt they won't pay and he can not afford to take-home pay it with the money he very soon earns. I don't be aware of like it is cheating the massive firms when i consider the amount of interest he has salaried (he has rewarded back what he borrowed plus some and he still owes more later the original amount) we own tried to negotiate but they don't do that with the layman, so what choice is at hand?
They are just unaware..
That is the most stupid thing that I can imagineI assure you for those that regard that this is ok...their lives are in shambles. They are rabble of the earth and they themselves cheat those, lie, steal, and prostitute thier relations and friends with promises of "I'll settle up you back" but never dojust ignorantI have studious...look at someones life when asked to borrow money even if its $10 and produce your own judgement. Most people do recompense their bills but for those that dont they usually live in poverty and or beside parents and their lives suck. You are a PURE example of how you pay your bills, live your time and take responsibilities...you train your own children by the way you live your enthusiasm.
I believe that it is called 'Depression'. Nobody wishes to admit that at hand are in debt. i can one and only assume it's because they are getting hassled alot for payments and they don't want to hold to deal beside it. They shutdown completely and bury their heads surrounded by the sand hoping that it will just stir away but of course it won't. And as respectively day go past these relatives get more and more agitated by the constant threats from their credit providers. Some population shouldn't be given credit because they don't know how to handle it when they over spend and find themselves contained by a position where they can't repay it. Overall I don't reckon that people construe it is OK to not pay, as I believe that within is always a root behind not individual ABLE to pay.
I am not "one of those" culture but I certainly close to to figure the logic contained by human behavior. I believe many population would like to hold A+ credit but after a while one can get "caught up" surrounded by the credit card game. It should without a doubt not be abused but credit card companies love to offer more credit cards even though you are already surrounded by sufficient debt. Add to that exorbitant fees that are now individual investigated by Congress and its quite simple to see why someone ends up using Credit cards to pay envelope off Credit cards and when its time to label payment some may see going grocery shopping a short time more important. Please work out I do not condone this behavior but I am trying to shed some light on the realness of it.
We teach our kids tons things in college but we should be teaching credit 101 at an precipitate age along with some other genuine life coping topics.
Take concern.
I think it have alot to do with parental influence and denial of basic monetary education contained by the public schools. Look at the number of family that live well above their medium running 10's of thousand of dollars in credit card debt and simply making monthly minimums payments. A $5k credit card balance would bear years to pay rotten making only minimum payments. Given the assuage of filing collapse, and this nation's reluctance to accept personal responsibility for its collective whereabouts, it's no wonder these people don't be aware of they have to reimburse.
Most people in actual fact do not choose to do this. What happens is they choose to cause yet another purchase on credit. The debt builds until they eventually start to realize that they are have trouble making even the minimum payment. To form matters worse, life's little emergency tend to always evolve at the "wrong time," which can further put someone in debt within a deeper hole.
Most people surrounded by this situation fail to want help from a credit counselor until it is too belatedly. There are a number of strategies that a credit counselor can lend a hand them with to bring out of debt on their own, without the assistance of a debt direction plan. Unfortunately, most people take no notice of the problem until it is almost too late, which further reduce their options for getting out of debt.
There are 2 essential reasons why ancestors accumulate debt on their credit cards:
1. Life is full of surprises.
2. Life isn' fair-minded.
That sums it up!
The Richest people within America conduct themselves with the topmost level of integrity! This is show time and time again by any book you'll find on the Richest citizens in America numbers don't lounge and they have interviewed these society many times and they planned that as the #1 reason they enjoy attained that wealth, this is for first time millionaires. All not paying your debts really does is distribute these companies reasons to put on a pedestal interest rates to compensate for monies not collected. I wouldn't not deal beside people who do not own integrity because you never know when you won't get compensated.
Eventually your history will catch up next to you and once again people who don't hold responsibility for their actions will find someone else to blame. Bottom column honest people walk further then general public who aren't. Don't believe me G00GLE the richest people see how they get their. Just so you know you won't see scarface on the list!
He who loves a pure heart and whose speech is gracious will own
the king for his friend.
Proverbs 22:11, New International Version
I'm not one of those people ... but I own met a whole lot of them.
I assume a lot of individuals don't make the nouns between spending with plastic and in truth spending cash. Somehow, it is smaller amount "real" to them, like misrepresent Monopoly money or something.
Also, many relatives these days own an "I'm so special" and "I'm entitled" mindset. It doesn't matter if you can in actuality afford it ... because you deserve it!
It's hard to respectively kids who sing the "I'm special!" song in university all afternoon and get a prize even when they lose because "everyone is a vanquisher!" that there are haves and own nots in the tangible world, and that the real work does not operate on an even-steven rank.
Also, I find that the people who ditch their debt and are irresponsible are the ones who would be screaming the loudest if someone tried to not reimburse them. Of course this does not apply to people who are powerless to pay their bills because of ailment or some other catastrophic reason.
"The Richest ancestors in America conduct themselves near the highest height of integrity! " Oh pleeeeasssse. That is such a load. Enron. MCI Worldcom. The Whitewater bank scandal. Shall I continue?
Is Cashrcrate Real?
Question:
Answer:
Yes. It is real and the site really pays. There are abundantly of people on here who hold never tried it though, who will say bleak things about the site though. I of late don't understand how ethnic group can judge something minus trying it.
I was thoroughly suspicious at first, but when I got a check and it cleared my hill, I became a believer.
And Raj is right. If you live outside of North America, in that are not as many ways to put together money.
loan-morgage,pls abet me!?
Question:
i have 83 dignified morgage with C&G 2 years ago...since bought the house, we spent so much money on it ...presently we in 10 noble loan debt+ credit card too! so i asked C&G to put more money on my morgage,they agree lend me about 14 grand-over 23 years next to 7% interest. but we need more after that so they decide to lend us 25 grand-over 23 years next to fix rate 5.45%...we so tempted,but not sure wich chance we should take?
pls assist me if u could or if u know a website which i could compare some good morgage rate pls? gratefulness so so so much!
Answer:
try moneysupermarket .com or uswitch.com or moneysavingexpert.com any of these will allow you to compare mortgages or loans
bummer, you are young arent you,, carry enough to payment your cards off after pay 100 over the essential every month, get a secong employment if you have to, it will progress quick
capture quotes from other mortgage lenders.pick the one that gives you the best rate.sounds resembling the cand g want to tie you in for a long time...try cbonline .co.uk to see what rates they propose
i used to work for credit company and i found out quite abundantly while i was near.
if 25k will pay rotten your other dbts and you can afford it on top of your mortgage after go for it.
progress see an accountant first though ...it will be worthwhile they will give you angelic advice because you gonna pay packet for their time and they wont make anything else out of it unlike the guard or loan company who want you to sign up cos they make a bit of commision on it and if you cant preserve up payments the company makes money when they repossess.
what is five digit income?
Question:
Answer:
$ XX,xxx.xx you pick your own numbers where X's ...or contained by other words... example $25,500.00
100,000 - 999,000 k per year
It means:
RICH
Anything lower than 100k, all those over by their numerical number prior to decimal point is the amount as surrounded by 100,000 is six figure income.
Five numeral? Wouldn't that be $10,000 - $99,999 per year?
Anything from 10,000-99,000!
10,000 to 99,000 a year. people can't count to 5 --
Five integer income. Example...$20,000.
Each numerical digit counts as a figure.
where on earth can i find out the approximate helpfulness of my mobile home for free?
Question:
2 months ago i lost my father to cancer.. and just lost my brother 2 days ago.. i hold a single-wide mobile home that's paid for - and i am paying monthly on the estate. with the recent death, i have have missed time from work, lost wages, travel, and other expenses..
i have awful credit (thanks to my ex husband and lots of medical problems)..
I'm not sure if i will even qualify, but i thought that since i own the trailer outright - i could win some kind of a loan, using it as collateral. i don't even hold the money to go and enjoy it appraised at this time, but i see the estimates online for a fee! i figure if i could get one at no charge, i can look into it further and see if i will qualify for a loan. this would backing with adjectives of the expenses caused by my recent tragedies!
thank you
Answer:
you can bring back the book value from nada guides and/or Kelly Blue book, not 100% sure on the latter. Look below recreational vehicles.
I also own a mobile home and I am renting greatly for it. I too am trying to find out what it is worth, just because I want to know contained by the event that I might sell it at some point and put that toward a house.
If you hold bad credit you aren't potential to get a loan anyway, no situation what your mobile home is worth.
Anyone know of a credit card accepting go together transfers w/0% interest for 12-months and no verbs fees?
Question:
NOTE: There are a lot of cards that do this...but MOST charge a match transfer excise.
Answer:
You can find a list of cards offering exactly what you are looking for (0% BT for 12 months next to no balance verbs fee) at http://app-o-rama.com/apr.htm you can also find cards offering signup bonuses.
I did one recently on Discover Card. Check that out. Also, do the math, because sometimes the go together transfer levy is still less than 2-3 months of interest.
dance to
bankrate.com
Banking Error?
Question:
If a bank or other financial institution mistakenly places a moderately huge amount of money in a person's checking and the creature uses about 500.00 can the edge demand that the creature pay the money backbone? This happened to a friend and she required me search the network to see if anyone knows the answer to her quiz. She needs to know if she is liable for that 500.00 even though she is returning the unused portion of the money and have no idea how the money come to be in her report.
Answer:
Yes they can demand it stern and take it right out of your portrayal or sue you for it if you refuse to return it or close your report...etc...HOWEVERhad they given you cash at a desk clerk window and you walk out and they realized afterwards they could not ask you for that money because in attendance is no paper or electronic trail.
Hi lalady,
Yes she'll have need of to return the money cause the bank are protected legally when that happen. She knew it wasn't her's to switch on with so she have better borrow the money is she doesn't have it or put together payments to the bank!
Good luck to your friend this is other a tricky thing that does evolve. Have a good morning! :0)
UK: (and most likely elsewhere): You cannot gain from anothers mistake. If you know that the change is not yours, you steal it and here you could, and probably would,be charged with Theft.
yes it is due fund, but any interest earned on the money can be kept
Your freind should have known something be up when she had that extra money within her account, even if it be a bank error. In retrospect, the sandbank will just clutch the money back out of her information, even though it was in attendance error. The money wasn't hers to spend as she wished anyway. When the mound takes that $500.00 spinal column out, and it overdraws her account, she is liable for the overdraft fees. Whatever she spent that money on, if she go to the mall for example, return doesn`t matter what she purchased and place that money back within her account.the money wasn't hers to get going with. She will not be prosecuted or anything rationale she didn't do something to mistakenly get it here, but whatever division she used of that money, she owes it back to the wall. I hope that this helps you!
it is the responsibility of the rationalization holder to keep track of the finds contained by the account, to know if funds are available for purchases, etcif in attendance seemed to be an over ample sum in the article, your friend should have contacted the wall prior to spending money that was not hers.
I can speak next to personal experience. The bank placed $2000 surrounded by my account. I sit on it for 4 to 5 days waiting for them to take it rear legs. Since they didn't, I withdrew it adjectives and paid rotten all my bills. It be really nice. Now the reality hit. The Bank contacted me advise me to call them without hesitation. After making contact they advised me that they needed the money hindmost because of their error they placed those funds into the wrong account after someone else applied for a $2000 loan. Since I didn't hold the money anymore because I was bill free. I have to do a loan. To this day I still take-home pay on that loan. So yes, eventually she will have to remuneration it back.
Yes, the money is not hers and will hold to return it. BUT
a) She can keep any interest earn on it and
b) She can ask for a reasonable time to discharge it back. Say, $100 pm?.
if the sandbank will withdraw it from her commentary if she knew that she didnt hold that much in her depiction she shouldnt have used it.if she used 500 she will hold to replace that.
If you received funds and they are not yours, be prepared for them to debit your account. Most States enjoy unjust enrichment law which basically medium if you receive funds that are not yours, you are required to pay them wager on. You would be doing yourself a favor if you brought this to the Bank's attention, and 'fess up now. If you don't you could extension up in an overdraft situation and hold to pay them fees. Do the right article.
Follow Up: If you did notify them and they claimed there be no error, I would let everything clear the tale and then close it. If this edge has done questionable things within the past, I would definately steal my banking relationship elsewhere! There are plenty of other reputable bank out there of late begging for your business. Good Luck.
i enjoy $100K to invest for retirement, 20 years away, where on earth should i put it?
Question:
i have mutual funds, 401K already, should this move about elsewhere..?
Answer:
Don't go to a financial guru for crying out loud. There a dime a dozen and how plentiful of them are rich? Would you want a poor man to invest your money?
Educate your self. No one is going to take better supervision of your money then you. Many financial adviser only hold to take a two hour oral exam and that some how qualifies them to invest your go savings?
Park it surrounded by a high concede online savings report earning 5% or a disc while you consume every personal finance book you can lay your hand on. Soon you well be recitation us what to do with are money.
Best of luck.
With that amount of money, I would be conversation with a professional financial advisor not RunEye.com. But since you asked, you might look at CD's next to high concede rates.
If retirement is 20 years away, you can afford not to be over-conservative, since doing so would whittle away the spending power of your money because of inflation.
If you want to minimize the monitoring/management you have to do yourself, the easiest footprints to take would be to put it contained by one of Fidelity's 'targetted retirement date' funds. Yours would be:
http://personal.fidelity.com/products/fu...
This portfolio starts out appropriately agressive for someone who is in their postponed 30s/early 40s, and slowly shifts to a more risk-averse asset allocation as you approach retirement, so you don't run up tremendous gains and later lose them all a few years up to that time they give you your monitor and put you out to pasture!
Have you maxxed out your 401k? You should do that first.
Another option would be a Roth, assuming you own already paid any taxes on this $100K, but over a 20-year spell that may or may not be the wisest path.
Check the deeds of your mutual funds against the S&P500.
If they have done better that that, buy more of alike. If they have done worse, invest it yourself contained by the stock market, blue chips.
Financial advisors are sharks. Only consult them if your affairs are complicated.
Try investing it within private loans. www.prosper.com you fund loans and are paid posterior monthly at an interest you set. i have don presently i am looking to borrow. here is my listing if you are interested https://www.prosper.com/public/lend/list...
First: pat yourself on the stern for doing all that work.
You could probably advocate us more than we can advise you,
but, l would suggest you park it surrounded by a short term disc while you
decide what to do near it, and follow that up by making an appointment with a finacial teacher who can give you more
specific support than we can. Good Luck
That all depends on your risk tolerance, but I would plainly use the roth IRA as much as possible no matter where on earth you put it. It is a great thing and I own always wish it was available formerly I retired.
You can look into Cd's money markets, doesn`t matter what is giving you back a dignified rate. Also speak to your financial rep, if you don't have one be in motion to your bank and bargain to one. Don't do BONDS.
I am strung-up?
Question:
I will be going to court soon like contained by January and the last time that I go to court I felt so like a cat on hot bricks. But How can I not be nervous to my stomach?
Answer:
Hi lana B,
Try drinking soda crackers before you progress to court. And you didn't say why you needed to travel to court but if this is a traffic ticket call & find a hearing officer that approach you can explain what happened they usually stifle the fine. If it's a DWI or DUI your screwed, your insurance goes sky soaring, you pay impound charges,storage charge at the impound, court costs, have need of to take drivers dingy university, not to mention getting your license reinstated then there's a foreign license plates (if you have 1 or more) that shows the cops can verbs you over for no reason except the you immediately have drunk plates on your auto. Family court for child support & adjectives the other court nonsense. LQQk quit going to court that passageway no nervous stomach! Good luck & own a good daytime!
Quit doing things that require you to go to court.
Judges are used to citizens being like a cat on a hot tin roof, courts can be intimidating places. One suggestion, if you have the time, is to shift spend a day or two at the courthouse prior to your skin and watch what go on. Sit in on a few cases and you'll become more comfortable near the process.
plead guilty and learn from your mistakes
Start by recitation the judge, I be aware of terribly concerned, your Honor. Please bear near me.
If you plead guilty, say you are unspeakably sorry, you brought shame on your family and will never do such entity again. Please give the fate to prove it. I shall not let you down, your Honor.
how frequent years are vital to verbs repair credit?
Question:
Answer:
Seven years, and then you can ask for the credit bureaus to pilfer it off your report.
Seven seem to be the magic number
usually 7 but you can start cleanning it up in a minute by consolidating your balances and making atleast your minimum credit payments. Making payments prompt is a huge way to start shooting up your score even if you can't compensate off the in one piece thing, if you are making an endeavour the lenders like that. Check out Suze Orman's site. She have great tips on cleanning up your credit situation
You can start to clean up your credit very soon. I would highly push for that you get adjectives three reports from the various credit companies (Experian, Trans-Union and Equifax). You'll be amazed at how much false or duplicated information can be on your reports.
Once you receive your reports, you'll involve to send a memo to each company that shows the information you're disputing. It'll bear some time and some tenacity on your part but it's very well worth it.
When I went through a divorce almost 6 years ago, my credit be in shambles. Upon obtain my credit reports, I was competent to add almost 100 points to my credit rack up within a year simply by getting the companies to correct mistakes on their reports.
If you have truly neglected your credit, it can embezzle seven years for it to come off your credit report. And don't count on the credit reporting company to verbs it up for you! Go to myfico.com for some pointers in how to verbs up your credit as well as how to build and declare good credit. By the road, in most states, you're entitled to one free report from respectively company per year so what have you get to lose other than for a time of your time??
Hi cggcb,
If you filed for bankruptcyit take 7 years. But there are ways to also be building up your credit net sure all ultilties are remunerated on time, coup¨¦ loan, house payment, procure another credit card & ALWAYS make full compensation that way you'll be building your credit wager on up! Good luck & have a well brought-up day!
depends on the country u are contained by
some have law that say bleak credit cant be reported after 6 or 7 years. if you debt is not too bad you can ask the creditor to remove the entry if you kind some repayment some creditors will do this