I'm a student without a cosigner. I've had credit for about a year. My scores are: 695 689 646 Put together that's an average of 676 rounded down and 677 rounded up.
The sheriff said the department doesnât wait the usual 24 hours in a missing-persons case when the person being sought is under age 16 or an Alzheimerâs patient. Some people claim you need to wait 24 hours before filing a missing person report with the police, but this is a myth.
However, there are a few rules regarding the reporting of negative information. For example, a late payment cannot be reported on a credit report unless it is at least 31 days late. After that time, it usually shows up on the credit report within the usual 30 days. Creditors usually do not charge off a debt and turn it over to a collection agency until 180 continuous days of non-payment have passed, so you may have at least six months before a collection or charge off shows up on your credit report.