Galileo saw details of insect eyes with two crude lenses. 2. Robert Hooke used simple lenses to observe cork in which he saw tiny compartments he called cells (cellulae). 3. van Leeuwenhoek saw protistans, sperm, and bacteria with his lenses and microscopes. B. The Cell Theory. 1. Schleiden (a botanist) and Schwann (a zoologist): believed that all plants and animals consist of cells. 2. Virchow: cells come from preexisting cells.
Information that can have a negative impact on your score includes hard inquiries, accounts that have gone to collection, bankruptcies, tax liens and judgments. To start with, inquiries remain on your credit report for 2 years (24 months). The good news is that they can only impact your credit scores for the first 12 months â and only if they are a hard inquiry (like when a lender pulls your report as part of your application for credit, for example).
How Long Do Charge-Offs Stay On Your Credit Reports? An account you did not pay as agreed, like a charged-off credit card or installment loan balance, can remain on your credit report for up to 7 years from the date the debt was charged off. (A charge off is essentially when the creditor officially writes your debt off its books as a loss.)