Question: #1: Credit report?
I just ran my credit report and there are several hits on it to say the least. Is it better to call the collection agencies directly and work out payment arraignments or should I call the credit consolidator people. And what is the best credit consolidator co to call?
- asked by angieward_2000
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- answered by: DaMan View All Answers (4)
Question: #2: How do we report an unpaid civil judgement to the credit 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
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- answered by: crazyjester9
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Question: #3: How can I get my credit card company to report account 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
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- answered by: ZinaRae
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Question: #4: How do I get a credit report with out a credit card or checking account?
I spent some time in jail and my credit card expired. Currently I have no checking account or active credit card. How do I get a credit report? All the sites I have seen require a valid active credit card.
- asked by Sean S
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- answered by: RaymondFelton
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Question: #5: How do you know the item on your credit report is from which credit burea?
I got a credit report from a lender (the lender type of credit report), it lists 3 credit scores. There is a same tax lien listed twice, one has account number , the other doesn't has an account number. Which credit bureau should I contact for this issue? How do you know which item is from which credit bureau?
- asked by 0808
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- answered by: golferwhoworks
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Question: #6: How do you dispute something on your credit report?
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
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- answered by: I_Love_McRedneck
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Question: #7: What does a credit report look like after bankruptcy?
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
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- answered by: 55yrsnholdin
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Question: #8: How can I get my credit report online for free with 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?
- asked by onlyinurdreams85
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- answered by: lacy k
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Question: #9: 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?I have paid them down but plan to keep the balances they have now (which are very low) instead of making more charges. Would writing to the credit card company make any difference?
- asked by MG
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- answered by: He Who Must Not Be Named View All Answers (8)
Question: #10: What will my credit report show if I choose to settle 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
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- answered by: cardinalboy97
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Question: #11: How is the "Average Account Age" in the Equifax credit report calculated?
I have a combination of Open, Closed, Revolving, consolidated and unconsolidated student loans, and a couple credit cards I have never used. I have averaged these in many different ways but have not yet arrived at the "Average Account Age" that is reported in the Equifax credit report. For those who haven't purchased their report, an "average account age" is given, and the longer it is, the better for one's credit score. Hopefully someone who has a simpler credit history can shed some light on how it is calculated. Thanks!
- asked by chesspl
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- answered by: Floppy
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Question: #12: How often does Household Bank report to credit bureaus?
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?
- asked by Sandra
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- answered by: Marla
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Question: #13: How long does it take for credit card latenesses to 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
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- answered by: hellinore_rigby
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Question: #14: How does bad credit come off your credit report once 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
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- answered by: Sharon F
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Question: #15: What website provides the best credit report for free?
I want to find out what my credit report looks like and my credit score. Can someone offer advice to which websites I should go to that provides the best credit report and score for free? Thanks!
- asked by young1
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- answered by: Iknowthis!
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Question: #16: How long does it take for credit card companies to report to credit report?
I have one credit card and its always paid I have had it for about 4 months and my credit score is still 0 and shows no credit card accounts how long does it take for them to report it ?
- asked by taylor.hulsey
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- answered by: Pradeep R
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Question: #17: What matters more your credit score or the contents of your credit report?
If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won't really care about much else?
- asked by Jennifer K
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- answered by: OC1999
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Question: #18: I reported my credit card for fraud, and the bank put 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
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- answered by: Expert Realtor
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Question: #19: Is there a difference between the credit report a creditor 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
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- answered by: echo
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Question: #20: What credit report service is the best value?
I want a service that I can view my credit report and credit score for all major credit bureaus 3 or 4 times a year and make disputes quickly and easily as needed. I don't want to pay an arm and a leg. I shouldn't have to buy my own personal information in the first place.
- asked by atomzer0
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- answered by: bdancer222 View All Answers (7)
Question: #21: How does your presence in ChexSystems affect your credit report?
I got reported to ChexSystems two years ago, when a purchase came to my account after I had closed it. I repaid my debt, but they told me that I'll stay in ChexSystems for 5 years after the incident date. This would cause me problems oppening checking accounts, but I was wondering how does this relate to your credit report? Does this consitute bad credit, since it wasn't related to credit at all, but to NSF activity. Would I be able to obtain a secured credit card?
- asked by IvanRS
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- answered by: Mary A
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Question: #22: How do I verify when negative items drop my credit report?
I understand that negative items remain on your Credit Report for 7 years after the date of Original Delinquency, but how do I determine when this date incurs? Since the "Date of Last Activity" changes extending the date of deletion on your credit report, how can I determine when items should drop off?
- asked by Stephanie N
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- answered by: Landlord
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Question: #23: What shows up on your credit report when you report your credit card lost/stolen?
For example, if the credit card company changes your account number and moves everything to a new account, does your credit report now say that the old account is closed and you just opened a new account? I'm trying to figure out if you lose your old credit history when you do this----especially if this is an account you've had for a while, and therefore is one of your oldest accounts since alot of credit is based on how long you've had things.
- asked by babybeast
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- answered by: saurus3118
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Question: #24: How long does it take for itemizations to appear on your credit report?
I have just paid off one credit card and a substantial amount on another credit card. If I were to apply for a loan with someone and they were to check my credit report, how long after the time that I have paid off my credit card, can I expect it to show on my credit report, so that they people checking my credit report, would see the current balance of my CC's?
- asked by seane.beard
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- answered by: Lending Guru
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Question: #25: How long does a credit inquiry stay on my credit report?
I recently checked my credit report and noticed that three credit inquires I made this December (MC, Discover & Visa) were still on my report. How long do they stay?
- asked by jwthornhill1965
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- answered by: OC1999
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Question: #26: How long does a lien stay on your credit report after being paid?
I had a lien on my credit report, and I paid it about three months ago. It was still on my report, so I reported it to the credit beaura. They investigated it and said it will be reported as satsified/released. However I thought it would be taken off my report. I checked my report a week after the investigation and in the status category, there isn't anything written in it. Does it take a while for them to update the credit report? When will the lien be taken off?
- asked by island girl tell it like it is
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- answered by: pilotwannabe81
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Question: #27: Why are all companies allowed access to your credit report? What can be done to limit access?
In todays world it seems as long as you pose as a business you can access information on anyone you want. I know credit reporting agencies say that this doesn't affect your ratings, but it seems like it does. Any business can see your report and credit scores, but you can't see your own without paying. Why is that?
- asked by Larry T
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- answered by: Ted
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Question: #28: How long does it take for your credit report to get update?
I paid off a credit card and thought my score would go up. But every time I check my credit report (experian only) my score is the same. It shows my old balance on the card. I paid it off a couple of weeks ago. How long will it take for the balance on the credit report to be 0 and my sore to increase?
- asked by sweetnsassy
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- answered by: bossman
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Question: #29: How do I get a company credit card removed from my personal credit report?
My company credit card is showing on my personal credit report. As most of you know, the credit card company asks for your social security# when you are issued a company card with your name on it. I am an employee only & have no personal responsibility to the debt. Even though the account is in excellent standing, it makes my credit-to-debt look sky high! How do I get it removed from my personal credit report?
- asked by malteseheart
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- answered by: Pradeep R
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Question: #30: How do I obtain a free credit report from each of the major credit bureaus?
I heard on CNN Headline News that you can obtain one free credit report per year from each of the 4 major credit bureaus.Does anyone know the names of each credit bureau, the number to call (or address) and what you need to do to get a copy of your credit report?
- asked by Searcher
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- answered by: tsisul
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