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How do you get creditor to correct wrong information on your credit report?
Wiki User
∙ 13y ago
This hapenned to me in the past. I was registered with experian, I had no defaults on my credit report, however a loan company told me that I had a default on my credit report I then told them that I had checked my experian credit report and it was clean but they told me it was equifax where the bad report was logged on. I checked it and it was for a credit card I had never even heard of. Equifax investigated it and found out in a couple of days that I had nothing to do with it. This was in 2007 about when it was removed. its now 2011 I also found out recently that you can actually sue companies that put false information on your credit report.
Wiki User
∙ 13y ago
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What is the procedure for a creditor to be listed on a credit report?
== == Call that creditor and request for them to report your information with all three bureaus. Be aware that not all creditors will do this, but it does not hurt to try.
If a US creditor is not reporting a credit card to the three major credit bureaus because of a foreign address will delinquency in payment also stay off of one's credit report?
ANSWER That is correct. If the creditor is not reporting to the major bureaus there is no report... good or bad.
Can a creditor misrepresent themselves on the credit report?
Misrepresenting any form of information in a credit report is incorrect and a crime too. Irrespective of who is misrepresenting the information, doing so is wrong.
Is it true you are responsible for correcting any errors on your credit report?
Yes, if there is an incorrect information in your credit report, you have the right to dispute it and if proven correct, the credit bureau will not report it again.
How do you remove charged off from your report?
Only the original creditor or the credit bureaus can remove a charge off from a credit report. You can negotiate to have them removed with the original creditor if they will let you. You can also dispute it to the credit bureaus and they will have 30 days to verify the listing or it must be removed from your credit report.
How can you get an entry removed from your credit file?
Your post indicates that you have already followed the procedures for disputing the information with the credit reporting agency. They have contacted the creditor and the creditor has verified the information. That is the limit of the agency's responsibility. You can require them to attach a copy of your dispute to your credit report. My experience is that this rarely happens but maybe you will have better luck. You will need to contact the creditor directly and have them correct the report. Send them a letter CRRR along with any supporting information. If they fail to correct your report your only options are to file a complaint with the FTC or to retain an attorney. lwpat
What you do if you cannot locate a creditor?
That depends on what you mean by "can't find or locate a creditor". If you get a copy of each of your credit reports, they will list the contact information for each of the creditors that are reporting any type of information about you on your credit report. if you cannot get a response from the creditor after locating their contact information on your credit report, then you may want to "dispute" the information with the credit bureau that is reporting the information. Simply write a letter to the credit bureau stating that the information being reported on XYZ account is not accurate. Please remove this information from my credit file. The bureau will contact the reporting creditor...if the creditor does not respond within a timely fashion, the information will be removed from your credit file.
What is the procedure for a creditor to be listed on a credit report?
== == Call that creditor and request for them to report your information with all three bureaus. Be aware that not all creditors will do this, but it does not hurt to try.
If a US creditor is not reporting a credit card to the three major credit bureaus because of a foreign address will delinquency in payment also stay off of one's credit report?
ANSWER That is correct. If the creditor is not reporting to the major bureaus there is no report... good or bad.
What should you do if a creditor listed on your credit report is no longer at the location shown on the report?
Sumbit a dispute based on inaccurate information and let the credit report agency find them for you.
Can a creditor misrepresent themselves on the credit report?
Misrepresenting any form of information in a credit report is incorrect and a crime too. Irrespective of who is misrepresenting the information, doing so is wrong.
Can creditor report car as repo 2yrs after BK discharged if reaffirmation was not entered in court although timely payments made for 2yrs after BK and creditor shows zero balance on credit report?
A creditor can report a car as repo and not correct it unless you call them. If it not their responsibility to make sure your credit report is right, it is yours. If you contact them, they must fix it.
How do you get wrong information off your credit report?
Go to the website for the credit reporting bureau (the major ones are Equifax, Experian and TransUnion) that has the error. There will be a link to the form to request a check of the incorrect entry. The agency will send the form to the creditor and ask for a correction or confirmation that it is correct. If the creditor says it is correct, you can place an objection or your explanation why it is incorrect on your report. That will go out with the credit report whenever it is requested. I suggest making sure you have a proper objection before you do that. Consult a local lawyer.
How do you find out who you owe on your credit report to improve your credit score?
When you pull your credit report you will notice at the very last pages of this report your creditor informaiton. This includes the name if the creditor, address, and phone number.
Is it true you are responsible for correcting any errors on your credit report?
Yes, if there is an incorrect information in your credit report, you have the right to dispute it and if proven correct, the credit bureau will not report it again.
What does IUR mean on a credit report under the category rating?
It means that the particular item on the credit report has insufficient reporting information from the creditor and therefore cannot be rated at that particular time. IUR might stand for Information un-rated. This could apply to a new account or an account that does not report information to the particular credit bureau.
Can you be a creditor and only report on one company?
Yes. There are no laws stating that any creditor has to report to any more than one credit bureau (and the creditor is allowed to choose which one to report to).
