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).
Most information (good and bad) will stay on your credit report for seven years. However, some financial disasters (divorce, bankruptcy) can stay for as long as ten years. The â¦ silver lining to this is that, the older the negative information is, the less influence it has on the overall report. According to the FCR Act Section 605 a debt can remain on a credit report for 7 years and 180 days after the delinquency that caused the account to go bad. 2  Sometimes creditors will sell their bad accounts or post information on the credit report to show an activity date that is less than 7 years.