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WebBusiness response. 01/09/2024. The company identified in the collections communication received by the consumer is not affiliated with CreditNinja, and this complaint should be … WebApr 11, 2024 · 3. Wait 7 years for FMS Inc to fall off of your credit report. Unfortunately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to FMS Inc, it will remain on your credit report. Learn more about FMS Inc’s impact on your credit score: WebSep 15, 2024 · And if you’re late on a payment, Credit Ninja charges a late fee of 5% of the amount owed or $7.50 if late payment remains due over 10 days from due date. For a $2,000 loan, that would work out to a monthly payment of around $356 to $362 and a total loan cost of $2,271 to $2,349. how much to tip at a salon