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Credit Reports
A report detailing one's borrowing and repayment record used to determine one's credit reputation. It is used by lending institutions to find the subject's credit worthiness.
Total questions 10500
How long does information stay on your credit report?
Information on a Credit Report Under the Fair Credit Reporting Act information can be included in your credit reports for...
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How long does a repossession stay on your credit report?
Repo on Your Credit It stays on your credit report for 7 years to the day the loan became delinquent. Say you made your last...
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Should you let charge-offs stay on your credit report?
Charge-Offs Here are opinions on whether you should let charge-offs stay on your credit report: It really depends on how long...
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Where can you find the address or a phone number for Experian so you can write a letter or call to talk to an actual person?
Use this addresses when sending credit report dispute letters to Experian. Experian Credit Reports By delivery via US Mail...
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What is a credit reporting agency?
CRAs A credit reporting agency (CRA) is a company that gathers and sells financial history information —information on where...
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Can you remove debts you have settled from your credit report?
Removing Settled Debts Yes, you can removed settled debts -- if they are outdated as defined by law. Under the Fair...
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What is the Fair Credit Reporting Act?
Fair Credit Reporting Act The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to...
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What is a credit report?
Credit Report If you've ever applied for a credit card, loan, insurance, or a job, there's a file about you. This file...
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How do you get paid collection accounts removed from your credit report?
Removing Paid Accounts from a Credit Report If you haven't paid your collection account(s) yet, negotiate with the collection...
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How do you fix an error on your credit report?
Fixing Errors on a Credit Report Nobody can legally remove accurate and timely negative information from a credit report. But...
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Does paying off collection accounts help your credit score?
Why payoff collections when you have a bona-fide chance in getting the collection deleted by disputing it with the bureaus that...
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What happens to items on your credit report after seven years?
Credit Report Generally, after seven years most information must be deleted from your credit reports with the exception of...
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How do you remove a bankruptcy from your credit report?
I have never researched it for myself, but I have heard from other people (who may or may not have known what they were talking...
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What is in an investigative consumer report?
An investigative credit report is one that goes beyond a typical credit report, with more detail. It might include very personal...
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Can you negotiate with creditors to change the reporting of settled accounts?
Yes, you can negotiate with anyone about anything. Whether or not the creditors will comply with your wishes, especially...
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What is a credit score?
Credit Scores For years, creditors have been using credit scores to determine if you'd be a good risk for credit cards and auto...
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If you challenge them will credit agencies remove items from your credit report just to avoid the cost of the dispute?
I don't like to condone this course of action, however, as a last resort, I have take this course successfully, though in a...
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How often does your credit report get updated?
Updates to a Credit Report Most banks send a monthly update to the reporting agencies. Typically, the three major credit...
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What should you do if your credit card is lost or stolen?
Report a lost or stolen credit card to the card issuer as quickly as possible. Many companies have toll-free numbers and 24-hour...
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How long do charge offs stay on a credit report and when does the timeframe begin?
Up to seven years from the date it happened. However, most creditors will only deny you credit if it has happened in the last few...
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Can a satisfied judgment be taken off of your credit report?
Satisfied Judgments A satisfied judgment can be taken off your credit, if it is inaccurate. If the judgment is yours, it will...
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Can you get a free copy of your credit report?
I don't know about state laws, but under federal law (Fair Credit Reporting Act (FCRA)) if you've been denied credit, insurance,...
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How does cosigning affect your credit rating?
How Co-Signing Affects Credit As a person who co-signed an auto loan for someone who consistently made late payments, accrued...
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Why can't some credit references be verified?
Credit References that Can't be Verified In working with credit card companies, I found that a lot of the time it could be as...
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How do you remove incorrect personal information from your credit report?
Get a copy of your credit report and dispute it. You can do it online at www.equifax.com, www.experian.com, www.tuc.com...
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Can anyone get a copy of your credit report?
No. Only people with a legitimate business need can access your credit report, as recognized by the Fair Credit Reporting Act....
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Can a foreclosure be removed from your credit report after the property has been taken back?
No, the forclosure will stay on your credit report for 7 years. After you will probably have to request it be removed by...
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What if you dispute a report from a collection agency that is now closed?
Collection dispute This would actually be a good situation. The bureaus have a limited amount of time to investigate and...
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Does information from the three credit bureaus have to agree?
No. Some creditors only report to one or another. You must dispute with each one what you feel is incorrect.
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Can a debt collector change dates on your credit report?
Your question is a little vague. You did not specify which dates. They can switch due dates, etc. since they usually put that...
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How can you dispute something on your credit report?
Disputing your credit report Write to the CRA that has the error on your report (more than likely all three). Giving them the...
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Can an individual file a credit complaint against another individual?
You cannot personally report an individual debt to the credit repositories. To report debt information, you would have to be a...
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Do bounced checks affect your credit rating?
Bounced checks A bounced check does not report to your credit report, so long as you make good on the check with the company...
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If a mortgage payment is 20 days late will that be reported to the credit bureaus?
Being late by twenty days is not long enough for the bank to report borrowers to the credit reporting agencies as late on the...
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How does the Fair Credit Reporting Act protect the rights of the consumer?
FCRA and Consumer Rights Here is info published by the federal government on the topic: The Fair Credit Reporting Act...
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Does asking for an investigation make items stay in your credit report longer?
Credit reports Your question is a good one: the answer to this however is NO. The statute of limitations does not use "date...
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Can you have a public record judgement changed to show collection?
You didn't mention whether the debt has been paid in full. If it has then get documents from the court or the lender that prove...
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How do you update your address with credit agencies?
Credit agencies This is very simple, you need to call the credit reporting bureaus automated lines, they ask you a few simple...
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How do you correct an error in a letter of dispute sent to a credit agency?
Do not send the credit reporting agencies the same dispute letter if is has already been determined to be correct from the...
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What are the payment terms of a letter of credit and how do you cancel it?
Letters of Credit A letter of credit is a letter from a bank that states that you have certain funds available. It is...
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How can you remove a paid judgment from your credit report?
Judgements aren't removed from credit reports until after 7 yrs. Answer you can write a letter to the company, collectors,...
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What if your credit report is missing information?
Your credit report may not reflect all your credit accounts. Although most national department store and all-purpose credit card...
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How can you find out if you have a judgment against you?
You can check your local civil court clerk's index and land recorder's office for any recorded documents, but the easiest way is...
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Do you have to pay a debt that has fallen off your credit report after seven years and what are the consequences if you do not pay?
One answer From my recent knowledge, it is not 7 years it is 5. And no, once it is not reported for 5 years you do not have to...
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How do you get an outstanding judgment placed on someone's credit report?
Placing Judgments First you need to win the judgement in court proceedings. Then with that paperwork, you can contact the...
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Can an unpaid overdraft on a checking account be sent to a collection agency and appear on your credit report?
Banks and Credit Reports Here is advice: Banks have their own type of credit reporting systems called chexsyems. if the...
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How do you get charge offs removed from credit report after 7 years?
Anyone has the legal right to obtain all three of their credit reports for free every 12 months through...
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How often does the credit bureau update beacon scores and by how many points?
Credit bureaus don't update your credit scores. They update your credit reports. It is a third party company (FICO, Beacon) who...
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What are the contact phone numbers for Equaifax Experian and Transunion to request free copy of your credit report by mail?
Transunion- 1-800-916-8800 Experian- 1-888-397-3742 Equifax - 1-800-685-1111 These are direct numbers to each Bureau. Please...
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How can you correct credit reports where John Doe Sr's bad debts show up on John Doe Jr's report?
Absolutely! Answer For quite some time, I had a similar problem. A woman with the same first and last name who happens to...
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How long does a paid off tax lien stay on your credit report?
7 years. Answer I have heard that tax liens stay on your credit report 10 years after they are paid off.
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Can you be prosecuted for a returned check if you did not authorize the person to make it out for the amount that they did?
The moment you write a check to somebody, you entitle them to cash it anytime they want (after the check issue date). This is...
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What does it mean when your credit report states that a particular creditors contact info is not on file and that there is no payment data available?
That the creditor has not or does not send information to the CRA's. Gas card companies, local retailers, credit unions and...
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Do you have a right to know what is in your credit report?
The law says you do. The FCRA says you are allowed to have 1 free credit report from each credit bureau every year. If you want...
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How do credit agencies keep their information up to date?
Lenders, at their discretion, report the status of all their loans to the credit bureaus each month. The information that they...
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Is there a time limit on disputing inaccurate credit information?
There is no statute of limitations in disputing information on your credit report. If it is being reported, it can be disputed....
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If your account is sold to another collector does it stay on your credit report another 7 years?
In a word: No, the account will not stay on for another 7 years. All negative information regarding the account must be removed 7...
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How long does a judgement stay on a credit report from Equifax?
All judgement, regardless of bureau, stay on for 10 years from the date filed. Hope this helps! Answer The previous answer is...
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How do you go about cleaning up and updating your credit report?
First step is to order a copy of your credit report from each of the National Credit Reporting Agencies, Experian, Equafax, and...
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How long does a judgment stay on your credit report in North Carolina?
The length of time items are displayed on a consumers' credit report is established by the Fair Credit Reporting Act, a federal...
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Is there a central place for disputing credit report errors?
No, unfortunately each credit bureau works individually, you will have to dispute the item with each one, however if you have...
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Why pay off any other 7-year credit report debts when you have a 10-year bankruptcy anyway?
After a bankruptcy, your main goal should be to build up your credit. Even though you've filed, you may have received offers for...
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How long do unpaid collection accounts remain on your credit report?
An unpaid collection account will remain on your credit report for 7 years from the date the account was reported by the...
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How long does a judgement stay on your credit report in Florida?
Depends on how it was filed, but the judgment itself is valid a minimum of 5 years once it is awarded. Details can be found at...
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If you pay off a 12 year old judgement will it reappear on your credit report?
No.
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Will paying one credit card bill 3 or 4 days late affect your credit history?
In order for a late payment to affect your credit history and FICO score, the payment must be a full 30 days late from the...
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Can an agency put your husband's medical bills on your credit report but not on his?
Not usually. They will place it on the person who was treated at the time. Unless other arrangements had been made (i.e. You...
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Does a company need written permission to pull your credit?
No. They obtain the information they need to check your credit rating, when you fill out the application. Answer Yes &...
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Does a mortgage show up on both borrowers credit report?
If the account is a joint account (bill comes in both of your names), then yes, it will be reported to both of your credit...
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Can you get a credit report without a Social Security number?
Many people think you cannot get a credit report without a Social Security number. However, yes you can, with a TIN # or name...
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Can you do a credit repair in 72 hours?
There are certain mortgage brokers that can get credit mistakes corrected in 5-8 days if you have the right paperwork. All...
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Can a collection agency legally inquire on your credit report more than once in the same month?
They can do this as many times as they want. This is how they ruin your credit. Every time someone requests your credit report,...
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Is it better to have a repossession or delinquent payments on your credit report?
Although late payments (especially those over 60 days delequint) will have a strong negative effect on your score much like a...
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How do you get a judgment listed as satisfied on your credit report?
There is no specific format to use. You only need to notify the credit reporting agencies in writing of your dispute, and enclose...
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Is the 7 years on your credit report figured from the date opened date closed last activity or the last update to credit report?
The 7 years begins on the date of last activity. THE CORRECT ANSWER TO THIS QUESTION IS.....THE 7 YEAR REPORTING PERIOD STARTS...
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Is a cancellation letter the same as a letter to delete the information from a credit report?
This question would need to be more detailed. It would depend on the text of the letter.
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What information about you is in a credit report?
Here's what can go in a credit report: Includes your name, address, marital status, your date of birth, number of...
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How do you put a judgment on a credit report for somebody that owes you money?
First you start by filing against the individual. After which if the courts find in your favor the following will apply. A...
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If a creditor sends you a 1099-C is the debt 'forgiven' and how will it appear on your credit report?
fAnswer The debt is forgiven and sooner or later a notice will appear on the CR. This is not a plus for you rating though. Then...
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Is bad credit reported in other countries?
The short answer is "no." There is no exchange of credit histories with credit bureaux in other countries. When I moved to a...
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What is the most common type of credit reporting agency?
In the United States there are three agencies that collect consumer information and provide your credit report to...
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Does checking your credit report cause points from your score to be deducted?
No. It is your right to know what is on your credit report. Which, by the way is often in error. Answer The above reply...
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Can a collection agency put a collection on your credit even though you have a police report showing the car accident was not your fault?
Collection agencies only care about one thing...collecting money. More info is needed to answer this question but if this is a...
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If you call about a negative credit item to ask questions and it is close to the seven year fall off mark will your phone call start the time over?
if your debt in question is that close to 7 yrs, i would not call on it. You can however call the credit bureau (equifax,...
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How can you repair your 510 credit score when you have a car loan charge off and 6 accounts in collection?
For you the only way will be patience, because you have so many negatives on your credit with no positive credit history. You...
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How long does a judgment stay on your credit report?
Judgments on Credit Records The Fair Credit Reporting Act [15 USC Section 1681c] (a)Information excluded from consumer...
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Who do you contact about removing debts from your credit report that are at or have exceeded the seven-year mark?
Contact all 3 major credit bureaus Equifax, TransUnion & Experian. Send the letters to them certified or by registered mail.
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How can you find addresses or phone numbers for old creditors you find on your credit report so that you can either pay them or dispute them?
At the end of your CBR there should be a list of the names and addresses (sometimes phone number) of all creditors involved in...
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If you had vehicle repossessed seven years ago and it has been turned over to a collection agency will the collection stay on your credit report until it is paid in full?
Repo on a Credit Report The question is a little vague, however here's what I can say: IF, and it should have been, the...
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Can foreclosure and bankruptcy be taken off your credit report if you didn't have to go through with the foreclosure and bankruptcy?
Once it is reported to the credit reporting agencies, it is very tough to have it removed. However, you can get them to mark it...
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How long do unpaid medical bills stay on your credit report?
7 years. Answer Medical bills do not ordinarily show on a credit report. IF a medical related debt is defaulted and turned...
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How many points will your credit score go up when you pay off a defaulted student loan?
Initially, your score will only go up by 5 - 20 points, depending on the student loan balance, and whether or not you are...
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Is there a difference between a lien and a judgement when you go to bankruptcy court or on your credit report?
A lien is always against real property, such as a house. this prevents the property from being sold or used as collateral. A...
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How long does it take for your credit to get better after you are discharged from Chapter 13 bankruptcy?
Your credit score starts going up the minute the bankruptcy is filed. Debts incurred after the filing (even the day after),...
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If a lawyer has your charge off account and you've been paying on time do they have to update your information with the Credit Bureaus?
They are legally obligated to update your credit report when the account is paid off completely. In the meanwhile, if you have...
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Are websites that offer help for people on ChexSystems effective and free of charge?
Here is a site that is absolutely free and will provide a list of non-chexsystems banks and credit unions...
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How do you correct your credit report if you have paid off all your debts about 6 months ago but some are still marked as unpaid?
Dispute! Write a dispute letter to the CRA's. Then they have to investigate within 30 days. OR, join the 30 day credit check...
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If items on your report have not been updated in awhile but are not yet seven years old can they be removed?
Yes, only if you are disputing the validity and the Credit Bureau finds in yiour favor.
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Should old debts that are over five years old be off of your credit report?
Yes. You can get them removed. ** By law (the FCRA) all ACCURATE information stays on a credit report for 7.5 years. You can...
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What is the difference between the 3 credit agencies and is one better than the other?
Experian and Equifax are better/faster at reporting your monthly activities than Transunion. Transunion can sometimes be two...
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