On March 11, 1861, the Confederate Constitution of seven state signatories â South Carolina, Mississippi, Florida, Alabama, Georgia, Louisiana, and Texas â replaced the February 7 Provisional Confederate States Constitution with one stating in its preamble a desire for a permanent federal government.
How long student loan problems can affect your credit isnât always clear, because they donât all work the same way. One thing is clear: If you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment.So a negative mark on your private loan (and most federal student loans) will cease to hurt your credit after that time frame.But there is one type of federal loan â a Perkins loan â that can stay on your credit report until the loan has been paid in full, even if it is longer than seven years.This is not true for other types of student loans.ne thing is clear: If you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment.
Where it appears depends on the company providing your credit report. Public Records. Public records include information like bankruptcies, judgments, tax liens, state and county court records, and, in some states, overdue child support. Depending on the type of account, a public record can remain on your credit report between 7-10 years. Only severe financial blunders appear in this section, not criminal arrests or convictions. Because public records can severely damage your credit, it's best to keep this section clear. Credit Inquiries. Credit inquiries list all parties who have accessed your credit report within the past two years. While your version of the credit report lists several credit inquiries, not all of these appear on the lenders' and creditors' versions. 1  Only hard inquiries are shown to lenders. 2  Your version will also include soft inquiries consisting of inquiries made by lenders for promotional purposes.