SUMMARY. When you divide by 0 (zero) or a blank cell, Microsoft Excel displays the error value #DIV/0! as the result of the calculation.This article shows you how to use the IF worksheet function to suppress the #DIV/0! error value.ell A3 will appear blank if cell A2 is blank or contains a zero. Otherwise, A3 will contain the result of the expression A1/A2. To display other information in the cell if the divisor is blank or zero, type the necessary information in the formula where the  (quotation marks) appear.
Medical Collections After 7 Years. Medical collections are reported to credit bureaus most frequently by collections agencies. These data are reported as derogatory items, and must age off your file after seven years from the date the account was deemed delinquent.
Steve, the charge-off will remain on your credit report for seven years. The Fair Credit Reporting Act states that negative items will stay on your credit report for seven years from the first date of delinquency resulting in the charge-off. Typically, a debt is charged off once it is delinquent for 120 to 180 days.The original time frame for a loan -- such as five years, in the case of a car loan -- has no bearing on the length of time the delinquency will be reported in your credit file.ther actions can affect the clock in some states, so be sure you understand your state's law.To sum up, credit reporting laws pertain to how long an accurate negative item can be reported on a person's credit report, and statute of limitation laws apply to how long a debt can be legally collected using the courts.