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.
A credit report does not list current valid debts for consumers, it reports on payment history. The Fair Credit Reporting Act says a delinquent account stays on your credit report for for 7 years from the first time you missed a payment on of the debt.So even if a debt is expired, the payment history stays on your credit report for 7 years.No related posts.tâs unlikely that your original credit card company still owns your debt after seven years. Credit card companies charge off bad debts after 180 days and sell or assign this debt to collection agencies. Over time, your unpaid debt can pass to multiple collection agencies.