Credit report FAQ

“fraudulent credit card”?
In Dec 2003 my husband’s ex wife opened a credit card next to Capital One in his cross while he was stationed within Korea, she had the mail address listed as a PO Box within her hometown. He did not find out anything about this credit card until we be trying to purchase a house and it was on his credit report. She charged in the order of $150 on the card between the time it was open and Feb 2004, and now we are told he have to pay $1000.00 surrounded by order to carry it off his credit report. Are nearby any legal avenues we can filch because we knew nought of this card? We cannot afford to pay, as we should not because it be fraudulent, but we really need to get hold of his credit score better so we can qualify for a home loan. We have informed the credit card company, and the waste to do anything and want payment surrounded by full. Anybody have any answers?

“Minor offenses” and credit reports?
Not paying a credit card bill on time (but still paying inside a week or so for instance) or other similar “minor offenses”, such as spending more than my allowed limit on my credit card, moderate our credit score although no log are written to that effect in the report. I be just wondering how long it take for suchs events to be removed from a credit report (ie.: when the points lost for paying a CC bill a few days late will be “returned”) ?

A cast-offs debt collector is trying to procure money from me. He cannot impart any information more or less the vindication?
A old credit card be picked up by a junk credit card collector. He cannot supply any information towards the side. They went ou to procure a Lawyer to try to collect. What can the Lawyer do without any information. The Junk debt collector holdsany information. What type of information should the Lawyer supply to me to net a case of this. The debt be written off or closed on credit report by both the creditcard and the Junk Debt collector. What can the Lawyer do when luggage is presented to Judge

A charge lien be placed against me, I proved the debt be not valid and very soon the debt is programmed as “settled” on
my credit report. If it was never valid, how can it be settled? How can I achieve this off my credit report? The State in truth owed me money and sent me a refund. I hold been going rear and forth with the taxation department, however they are useless.

A credit agency is on my credit report, but I enjoy never received a bill.?
This bill was from 2003 and I own never recieved a bill from the credit agency or the place of service. What should I do? I did not save my rewarded slip, and now the place of service is recitation me I owe them money.

A creditor agreed to remove a delayed recompense from my credit report, but in a minute they’re cliché they wont?
I’ve been trying to catch Honda Finance to remove a late salary from my credit report. It was moderately my fault and somewhat theirs, because I made the payment prompt but due to a problem with their system they didn’t adopt my online payment. I kept going over people’s head and someone higher up finally agreed to remove it from my credit report, because I own been next to them almost 5 years and have never made a slow payment. He said it would be removed inwardly 72 hours, which would be by this Wednesday. Today I got a memo in the messages saying the past due payment WOULD NOT be removed. Is in attendance anything I can do to make them steal it off, since they said they would? I know I necessitate to call but they are closed for the year, so I’m just wondering what I can right to be heard in baggage I have to argue near them when I call. Thanks!!

A examine roughly credit cards and credit report?
i have 4 credit cards and individual one has a symmetry on it. are the other 3 that has no set off & are paid past its sell-by date hurting my credit? Im planning on using them again eventually.

A week ago I get my credit report from Experian UK…?
My rating on the report was 854 out 1000 I am on the electrol roll enjoy no defaults or CCJs. I applied for a credit card and today I received the note saying I be refused because of my credit ranking. I contacted the company and all they said be that I could appeal if feel they be wrong to refuse me. I own one other credit card which is always remunerated for on time respectively month and two other small credit (catalogues) which I always remunerated on time too.Can anybody distribute my any advice and what can I do to add to my credit rating?Thanks

Adding positive results to a credit report?
I have several loans reported to TransUnion but not Experian or Equifax. How can I bring these reported to Experian or Equifax. I contacted the bank and be told TransUnion should report to the other two. Is this true? If not how can I personally carry the info added. If needed, I’m willing to reimburse a small fee. Although, I’m guessing I can do it for free. Isn’t this considered undue reporting practices?

After 11 years a long-gone debt collector is trying to collect, the two debts I owe are 1,400 dallors, the aim?
why they were’nt paid be the michcon read the meter wrong and blamed it on me, and the other was at&t because I accidentally made long distance connections threw earthlink, and I get a bill for 1,200 and at&t said I owed that much for one month, the thing is how to I rectify this, I don’t have a feeling either one of these are right to money, but now it is on my credit report..any suggestions

After 7 years the distrustful items on my credit report are gone?
When my 7 years came around, three unenthusiastic items have be removed from my credit report. The debtors are still trying to contact me for payment. What are my rights? Should I still settle up?

After 7 years, is a bill charged sour and what is the best bearing to clear my credit report?
I have harassing bill collectors trying to collect on 2 accounts (credit cards). One is 10 years old-fashioned. The other is 15 years old and already salaried yet showing on my credit report as unpaid!

After a guy 7 liquidation how long should you linger to check your credit reports?
How long should we wait to contact any companies to relay them to please post it on our credit report that we filed on them?

After you pay cheque debt on your credit report?
How long after you pay adjectives your owed accounts on your credit report will it clear? I want 1-2 emergency credit cards & I want to buy a new saloon & with my ripened history I couldnt do that. Now Im more responsible & know the consequences to not paying bills on time or not paying them at adjectives. I just cleared my credit so how long should I hang about?

Allied Interstate…?
I was acceptance calls from Allied Interstate (never talk to anyone, just saw it on my sightseer ID) approximately every 2-3 days, once a day for the recent past 3 weeks. They never left a message, and I never received anything surrounded by the mail indicating a collection. All my loans / credit cards are current. I checked my credit report, as okay as my husband’s and everything is ok.The calls own stopped all of a sudden… I haven’t see one in roughly a week now.Could those call have newly been telemarketing of some sort? Should I still name and find out what they were calling me roughly?

American Express operator?
I added my sister as an additional cardholder to relieve her build credit. It said in the vocabulary and conditions that they have to right to verfiy, share, and exchange information beside consumer agencies for both account holders and further cardholders. Therefore, doesn’t that mean that her credit history will be artificial. I called customer service; he said that it doesn’t relief her build credit. Another person said, “It builds credit beside AMEX; then she can apply for her own AMEX card to build credit beside the credit bureau.” A member of Credit12345.com said that he be added as an additional cardholder and the account was record in his credit report. So, which one is it? Will she build credit or not?

American express?
I added my sister as an additional cardholder to comfort her build credit. It said in the expressions and conditions that they have to right to verfiy, share, and exchange information next to consumer agencies for both account holders and more cardholders. Therefore, doesn’t that mean that her credit history will be artificial. I called customer service; he said that it doesn’t help out her build credit. Another person said, “It builds credit near AMEX; then she can apply for her own AMEX card to build credit near the credit bureau.” A member of Credit12345.com said that he be added as an additional cardholder and the register was record in his credit report. So, which one is it? Will she build credit or not?

Annualcreditreport.com really not free?
In 2006, I went to this website and get my “free” annual credit report. Or so I thought. Later that year I noticed that $12′s have been taken out of my mound account every month by Triple Advantage since I get that “free” credit report. I don’t know how they even got my credit card info, since I didn’t afford it to them. When I called Triple Advantage to go against the membership (that I hadn’t even signed up for), they told me that they hadn’t be charging me money and that I didn’t even have a sponsorship w/ them. Hmmm. So I called adjectives 3 credit company’s with the annual credit report and adjectives of them told me that they had no sponsorship on file for me. So who be taking my money if the very ppl that show up on my sandbank statement deny doing it? I canceled that credit card, so they can’t take my money anymore, but stillcould this come final later to retreat me?

Another credit query. Which accounts do I close? Also?
I am so confused. I read that I should keep my oldest cards embark on and if I have a nothing balance on cards, they wouldn’t hurt my evaluation, but in my credit report analysis, it list one of my negatives as have opened my first tale 7 years ago and not having a long giving history with themI never used the card. Should I close the depiction? It suggests that accounts with no pay history could hurt me. So do I close the $0 balance accounts? I own about 7 accounts that haven’t be reported on in years. I surmise 4 of those are still open.Also, I hold paid rotten accounts and it has not be reported. It is still reading as those old balance. According to my credit report, my score hasn’t changed since october and I enjoy significantly less debt. Since the balance are $0 and I am no longer maintaining a transfer of funds history, will they report the changes, and if so when?Is it the generous balances, or the number of accounts bloodshed the score. I have 2 late settlement last year, thats it.

Any luck getting deferred payments removed from credit report?
Has anyone asked a credit company to remove late payments. This is call a “goodwill” adjustment? If so did you have any luck?

Any one know how to bring a free credit report beside a credit card on file ? Extermly substantial?
Please if any sites Know give E-mail Adress

Any one used Lexington Law for credit repair?
I found another site for a person who used them and how great they be but I just wondered if anyone have used them? Which plan they used? And how long it took to see stuff being delete from there credit report? Thanks

Anyone else hold problems obtain TransUnion report using www.annualcreditreport.com?
Recently I was powerless to obtain my TransUnion report through https://www.annualcreditreport.com/cra/i… (We are entitled to a free copy of our credit report every twelve months pursuant to the “FACT ACT.”)Has anyone else have similar issues?

Anyone ever hire a legal representative to abet foot dated debts?
I am looking for advice on how to foot some old debts. I have a period of dismissal and fell way aft in paying bills. Some of the credit card accounts go into collections. They have be sold to so many different collection agencies that I can’t track them down. Every time I hold tried to call them to find out where on earth the account is, I am given profoundly of different numbers to call and the debt collectors I enjoy spoken to are less than functional in giving me an answer as to where on earth the account truly is. The other part of this is I own been enrol in a credit counseling service and I’m not sure if it is helping me. A couple of the accounts that go to collections are still showing delinquent on my credit report even though payments have be going to the credit card companies that the debt originated near. I don’t know who can help me find my debts or acquire the money back that I enjoy payed to the credit card company, but I’m considering hiring a lawyer. Anyone surrounded by a similar situation?

Anyone know how I can foot for my credit report and chalk up WITHOUT have to annul some free trial?
Everywhere I’ve looked they want me to enter into some free trial and I have to own this axe over my head and hope they will stop that free trial when I ask them to. Has anyone just gotten a credit report and rack up ONE TIME ONLY? I already got my every twelve months report a few months ago so I have to reward. To get my report AND chalk up I have to settle 15 dollars and get into some damn free trial–even the bureaus themselves push you into the trial. can you oblige? Thanks

anyone wondering in the order of nco/99 on their credit report?
You can get them by calling 8OO-709-8625. They only need a social and they FINALLY took my wage!

Apartment Lease and your credit report?
When you lease an apartment does it actually step on your credit report? Or would it only shift on your credit if you default salary?

Are at hand any credit report websites that impart access to updaited reports for a monthly excise?
I recently signed up for Identity Guard and they positioned that you would own access to your credit report and score constantly for 12.99 a month. Since i’m working to clear my report and promote my score, I thought man able to see it updated promptly would help. I own since found out that they only update the ranking and report once every 6 months which really doesn’t help me as basically in the ultimate month i’ve had items come rotten and I’m sure my scores enjoy changed. Is there any service out within that give access to updated reports on a weekly or monthly spring with updated info or anything close to that?

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