关于名字上BAYCORP的事情！谢谢（已经回答）

sky8618

您好 大律师：

    我想问下关于名字上BAYCORP的事情， 是不是名字上了BAYCORP的话 如果把钱都还清了，也要等5年才能消除名字 ？那这个时间是从怎么算的  是从上了名字的那天起，还是还了钱的那天起。

    还有就是如果一直不还的话 那是不是一直都挂在那里了 ， 还是我听一个朋友说是7年以后会自动消除，坐等律师的正确意见，万分感谢！！

sky8618

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山上美娟子

5年。很多人说7年。我有baycorp的信说5年。

AMICUS_LAW

credit reporting code的法律规定，最长是5年的信用信息，下面是各项信息的时间规定。

CP/0023/A323076
35
Schedule 1
Maximum Reporting Periods
(Rules 9(2) and 11(2A))
Types of Credit Information Maximum Reporting Period
Lost, stolen or compromised identification documents information
5 years from date of report
Credit application information
5 years from date of application
Credit account information (other than repayment history information)
2 years from date credit account closed
[Repayment history information
2 years from month following due date of periodic payment]
[Credit default information relating to debtor credit default
5 years from date of default]
[Credit default information relating to guarantor credit default
5 years from date of notification of debtor’s default to guarantor]
[Serious credit infringement information
5 years from date of action]
[Credit non-compliance action information
6 months from date of action]
[Confirmed credit non-compliance action information
5 years from date of action]
Judgments
5 years from date of judgment
Single bankruptcy
4 years from date of discharge from bankruptcy
Single entry to no asset procedure
4 years from date of discharge from the no asset procedure
Multiple insolvency events (as provided in Insolvency Act 2006, section 449A)
Indefinite
Summary instalment orders
5 years from date of order
Previous enquiry record
5 years from date of enquiry
Credit score
2 working days from date of creation

恨死河南人

沒看懂，那沒有還，baycorp就會幫你申請破產的意思嗎？然後再等破產期四年就沒有bad  信用紀錄的意思嗎？

sky8618

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