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.
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.