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.
No matter how heavy it feels, bad credit doesn't last forever. Even if you made a total mess of your financial life at one point, after a certain amount of time, most of those financial mistakes will be expunged from your credit report. For unpaid or delinquent accounts, the time period is seven years.isunderstandings or errors can result in a debt overstaying its welcome on your credit report. If old debt is still haunting your credit report, you don't have to live with it. Here are eight steps to get it off your credit report and out of your life.