Pinay is referring to a filipino woman. Pinoy refers to a filipino man and or generally used term in tagalog to address all filipinos. what does pinay mean. The words Pinay & Pinoy is actually slang that comes from the last four letters of the word filipino adding a âyâ. The slang became popular with the song by Florante song â Akoy isang Pinoy â(âI am a Pinoyâ). Sometimes the slang ânoypiâ is used. Noypi is a derivative of âpinoyâ.
Most negative credit entries remain on your credit report for seven years. This includes late payments -- such paying a credit card bills more than 30 days after the due dates -- foreclosures, Chapter 13 bankruptcies and debt being sent to collections.There are, however, a few exceptions to the seven year practice.owever, as long as it's unpaid it can stay on your credit report indefinitely. A Chapter 7 bankruptcy, once completed, stays for 10 years. Keep in mind that the older a bad credit mark is, the less it counts against your credit score.
Repo on Your Credit It stays on your credit report for 7 years to the day the loan became delinquent. Say you made your last complete up to date car payment August 15, 2001 an â¦ d you fell behind about a month after that staying one month behind until December when you missed another payment becoming 2 months behind.t can stay on the report a bit longer if it goes to court and the bank gets a judgment against the borrower. Say this happens in 2004, then that stays on the credit report another 7 years until 2011. Bankruptcies stay on 10 years while delinquencies and defaults stay on for 7 years.