If you pay them off in a consumer credit payback program, the bad ratings usually stay seven years, and are screened by potential credit issuers to see how you paid back the arrears. If you abandoned the owed accounts or are slower to pay off, the bad ratings stay ten years after pay off or are placed on P&L. Different state may have different policies, though. Seven years. But make sure everything on your credit report is actually yours.
Credit Bureaus make mistakes, as do any other business, and there is always the possibility that something on your report is someone else's. it happened to my husband and it took about six months, but we got them taken off. Accounts 7-years. Inquiries 2-years.
Bankruptcy 10-years. Tax liens 15-years. They stay on there until the account is paid off.
Individual: Consulting Project
a) You are an IT project manager. Your team has been hired as IT consultants for a small non-profit counseling center for at-risk youth. The Executive Director has shared with you that the center received a gift of $500,000 from a great-uncle of one of the center's former clients with the condition it be used to upgrade the technology used at the center. The center is open Monday through Saturday, noon-11 p.m. The center has three full-time employees: the Executive Director and two counselors. There are eight part-time counselors who are on-call and four part-time administrative assistants who cover all shifts. There are no computers. All patient, employee, and financial records are kept manually and filed in cabinets in the business office. The center has one fax machine, two typewriters, and a multi-line phone system with a phone in each room. The building has six rooms, a reception office area, and a waiting room. The rooms are used for the Executive Director's office, three counseling rooms, a business office, and a conference room.
b) Submit a 2,000-2,500 word detailed essay and a summary PowerPoint presentation that reflects your technology recommendations, your justification for the changes, and a budget. Your recommendations may include the following:
i) PC and peripherals such as desktop PCs, servers, printers, scanners, or laptops
ii) Software tools such as a word processing programs, financial programs, and scheduling tools
iii) Telecommunications: cell phones, pagers, wireless tools such as blackberries or PDAs
iv) Other tools you feel will aid in the efficiency and effectiveness of the counseling center
c) It is not necessary to provide brand names of hardware/software/peripherals in this preliminary plan; use rough estimates for the budget items, but stay within the $500K limit. You will be asked to present a summary to the board of directors within two weeks.
d) In addition, it has been your experience that IT projects that are rapidly deployed often meet with resistance and failure. Include in your preliminary report how the center should plan to address the change management issues. Be sure to include a rough timeline of major milestones to complete the project.
e) The Executive Director would like to see the office retrofitted with the new technology within six months.
f) To complete this assignment, refer to the O'Brien text, the Grand Canyon University College of Business and Library, Ken Blanchard Companies web sites, and other sources that may be appropriate. Wikipedia is not considered a scholarly journal; do not use it for this assignment.
g) Use APA format, including an introduction, conclusion, and title page; include in-text citations and a reference page as appropriate.
h) Submit the completed assignment to the instructor by the end of Week Eight.
2) Collaborative Learning Community: None
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