Finance Metric - Q&A: Credit Report

Question: #4: credit Report?
OK, I've never really understood the whole credit thing. And i dont know if i have bad credit or no credit...but, i can't seem to get a credit card from anywhere to even build credit? Where is the best place to check out my credit report safelly and help me understand in laymex trems about everything? - asked by Lady Maria

Answer: ... - answered by: Michael T
View All Answers (4)

Question: #5: CREDIT Report?
what are some ways to make your credit score to go up?I have mostly hospital bills on my report, I do have some other things on there too just five.also when they get paid off how long does it take for the company to remove it off your credit report?is there something out there that can consolidate your credit report, pay it off and you pay them monthly? All this credit stuff is confusing%%%%% - asked by kc's girl

Answer: ... - answered by: Sgt Big Red
View All Answers (5)

Question: #6: CREDit REPORT???????
when i activated my credit card they asked me to verify the make and model of my car?how do they know, it is a diff. company? my credit report doesn't say.how do i see the credit report they see that has make model? - asked by Avacodo

Answer: ...

Question: #7: How can I get my credit card company to reportaccount information?
I got my credit report today and it shows that my total credit amount is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn't been reported since April. Is there an effective way to contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I feel that this issue is affecting my credit score, so I would like to fix this.Thanks in advance. - asked by awill110

Answer: ... - answered by: ZinaRae
View All Answers (6)

Question: #8: How do we report an unpaid civil judgement to thecredit bureau?
We were awarded a civil judgement signed by a judge and filed with our local courts in Jackson County MO for $100,000. The defendant never paid this amount and we would like for this to show up on his credit report. I have been told unpaid civil judgements can be included in the personal section of a credit report but I am unable to find out how to get the credit bureaus to acknowledge this judgement and show it on his credit report. Can anyone tell me how to get this debt on his credit report? - asked by ahisch

Answer: ... - answered by: Crazyjester9
View All Answers (1)

Question: #9: How do you dispute something on your creditreport?
There are a few items which have been reaged by a collections agency and they cannot do that. The SOL has passed and they should be removed from my credit report. Also, when you view your credit report where is the "date of last activity"? All I see is the open date and last reported date. The last reported date can't possibly be the date to go by because then the companies can stay on your credit report forever. I have never had problems about stuff dropping off before but Capital One refuses to drop off and the three different collection agencies (for one card mind you) keep reporting a new date opened. This is ridiculous. How can I get them off? It has been 8 years now and they are still on there. - asked by operaphantom2003

Answer: ... - answered by: Roland'sMommy
View All Answers (4)

Question: #10: How can I get my credit report online for freewith out using a credit card?
I no longer have a credit card and every site I go to asks me to purchase my credit report. Is there anyway that I can get my report without using a credit card? Answer: ...

Question: #11: Which credit reporting agency is best for thecredit report?
I know that i can get my free credit report once a year, but there are like 3 reporting agencies to chose from. Which of those agencies is most accurate, and gives out the most info? I want one, to show all the negatives thing i might have in order for me to fix them, if there are any. - asked by Digz

Answer: ... - answered by: Enchantress71
View All Answers (5)

Question: #12: What does a credit report look like afterbankruptcy?
I wanted to get information on what your credit report looks like after filing ch 7 bk. Does it still list all your accounts with the balances just with discharged on each, or is your credit report blank with just the bk on it? - asked by Whitney

Answer: ... - answered by: 55yrsnholdin
View All Answers (6)

Question: #13: How fast do credit card companies report changes?
I have paid down some balances already for some time but the changes are not appearing on my credit report. I'm not pulling up my credit however, I have alerts when my scores go up or down or if there's inquiries etc. Do I have to ask them to report the change in balance? Why is it that when you rack up a ton of charges they report them really fast but when they're paid off, they take forever? Is there a way to "speed up" the process? Answer: ...

Question: #14: How often does Household Bank report to creditbureaus?
I recently got a Household Bank credit card in order to help build up my credit score. I have only used the card for small purchases and have paid off the balances for 2 months (the amount of time I've had the card) but no payments have shown up on my credit report as of yet. I was under the impression that Household Bank reported to the credit bureaus every month. Does anyone know when the payments might show up? Answer: ...

Question: #15: How can I request Credit Reporting agency tocorrect their report?
I got a free Credit Report (online) that gives my credit score too. In the report I saw a Collection agency activity which is incorrect as I paid off the money long ago. How can I correct the matter? How do I formally let the agencies know about it? Answer: ... - answered by: just me
View All Answers (2)

Question: #16: What will my credit report show if I choose tosettle an old credit card account with a debtcollector?
I would like to settle a few closed credit accounts that have been charged off and bought out by debt collectors. The collection agency is offering me a discounted rate to pay off this account. If I choose this option, will my credit report eventually show this account closed and paid off, as stated by the agency? - asked by Kevin V

Answer: ... - answered by: cardinalboy97
View All Answers (5)

Question: #18: How long does it take for credit card latenessesto fall off one's credit report?
I've heard that "baddies" stay on a credit report for 7yrs from the date of first delinquency.In 2002, I had a Visa lateness recorded on my credit report. Next to the lateness, it said "due to stay on credit report until 3/2005" which is only 2.5yrs not 7. Then in spring 2005, the lateness vanished from my credit report! (hooray!)But in early 2005, I fell into financial problems again(job loss) and a few more 30day credit card latenesses got recorded on my credit report. In the past month, one of these 30day latenesses has vanished from my TransUnion report, along with any mention of the account(which is a good thing, since it's been closed and was only open a short time anyway; the account was not beneficial to my Fico score)I was wondering if the remaining 30day lates will disappear from my report once they hit the 2.5yr mark? Or, have the credit reporting regulations changed since 2002, and I will be stuck with them for the next 4.5yrs? Any experience w/ cc lates? - asked by lightning_strikes

Answer: ... - answered by: YSIC
View All Answers (4)

Question: #19: Can I tell a credit card company to reportpositive comments to my credit report?
I payed off 2 credit cards out of four. Can I contact those two credit card companies and ask if they can report positive comments to the credit bureau to raise my score? Or do they automatically do that? I'm trying to raise my score. If you have any tips please share them with me. Thank you. - asked by *JC*

Answer: ... - answered by: Angry Bird
View All Answers (7)

Question: #20: How does an unused credit card report on yourcredit report?
If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing? - asked by Simpson C

Answer: ... - answered by: Colorado Papa
View All Answers (2)

Question: #21: How to get the free annually credit report?
How do I obtain my free yearly credit report from the major credit agencies. I have heard that a law was passed and all agencies were to provide a persons credit report free once a year. I have encountered several websites claiming to be free but there are none that i have yet to come across. I do not have a bank account to paypal any of these credit report sites. How do I find the major credit agencies and how do I get my free credit report. Answer: ... - answered by: DelD23
View All Answers (4)

Question: #22: How does bad credit come off your credit reportonce you have passed the 7 year deadline?
Some delinquent reports on my credit report are due to fall off this year. Will they come off my report automatically or is there something that I should do once the fall off date has passed? - asked by shugahill@sbcglobal.net

Answer: ... - answered by: Sharon F
View All Answers (2)

Question: #24: How does an never used credit card report on thecredit report?
If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing? Answer: ...

Question: #25: Is there a difference between the credit report acreditor sees and your full report on file withthe 3 CRAs?
Correct me if I'm wrong but when you "pay for deletion" you are paying for any record of the debt to be 100% removed from the report that a potential creditor would see (like when you buy a car or credit card) . --BUT the debt is never actually deleted from the credit report that you and the CRA have access to. So, there are actually 2 forms of credit report: one that potential creditors see, and one which only you and the CRA see.Is this correct??I am asking because in previous answers to my "pay for deletion" questions, alot of people are saying that debts are never 100% deleted from credit reports. So that makes me wonder what the phrase "pay for deletion" means exactly?Thanks! - asked by G-M-B-A

Answer: ... - answered by: echo
View All Answers (1)

Question: #26: How can you get your credit report without joininga club and give out your credit card number?
All of these free credit report on the internet require your credit card info and want oyu to join a club which is totally crazy to me. If I need to join a club I would have asked for membership info. So there is no such thing as free credit reoprt at all? - asked by June Baby

Answer: ... - answered by: bdancer222
View All Answers (3)

Question: #28: Why would my credit report look good on Equifaxand not Experian?
My credit reports looks good for one agency.I have a loan in really good standing that is being reported by Equifax on my credit report but when I look at the other, it has no history of the loan. Should this loan be reported to all three of the agencies?? Or is it up to them? Answer: ...

Question: #29: I reported my credit card for fraud, and the bankput a derogatory mark on my credit report. Is thatcorrect?
I got a letter from a company their credit card database had been accessed illegally and that the credit card I used may be at risk for fraud. They recommended that I contact my bank to cancel the card I used to purchase one of their products online. I called my bank immediately and had the card canceled and had another one issued. Now a month laster I'm looking at my credit report and there is a derogatory mark on my credit report from my bank saying that the card was lost or stolen under 2 of the 3 credit reporting agency's. .Is this correct? Do I get penalized for reporting possible fraud to my credit card? - asked by John B

Answer: ... - answered by: Expert Realtor
View All Answers (3)

Question: #30: How long will it take to regain good creditreport?
My boyfriend knew he had bad credit but didn't know what was in his credit report. He got his report off of one of those free websites. He has a couple of collection items on it. When he pays them back, how long will it take to come off his credit report? Also, when will credit card companies trust him enough to give a credit card after he pays back his debts? - asked by Nella

Answer: ... - answered by: Use Your Noodle
View All Answers (2)