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.
How Long Do Closed Accounts Stay On Your Credit Report? A closed accounts with no negative information in its history will remain on your credit report for 10 years from the date the account closes. A closed account that was closed in good standing but had some late payments will remain on your credit report for 10 years, as well, but the late payments will be removed seven years after they occurred. If the account was charged off, will be removed from your credit report seven years after the original creditor first reported the account as delinquent.