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Erin Said:

Do I need to contact the 3 credit bureaus

?

We Answered:

The collection agencies will update and report the debts as paid. This should show up within the next 60 days, depending on when the collection agency next updates to the credit bureaus.

Wait 3 or 4 months before you check your credit report to make sure the debts show paid. If they don't at that time, you can send a dispute to the credit bureau indicating that the debts are paid.

Erika Said:

how do i get in contact with the credit bureaus

?

We Answered:

Good luck with that. Talking to someone at the bureau wouldn't do you much good anyway.

The only way to effect changes or corrections to your reports is to put your disputes in writing. Do not use the online dispute forms and do not use the forms that they will mail you. These forms are designed to make their job easier and do not protect your rights. Write your own letters.

You can fix your credit yourself, if you have the time and determination. The first link below will provide sample letters that you can use. If you find that you don't have the time, inclination, or ability to fight this battle on your own, the second link will put you in touch with the National Consumer Rights Alliance. They fix their members' credit reports for free, so I would start there.

Good luck!

Susan Said:

Do credit bureaus contact creditors when you provide proof of an account being paid?

We Answered:

No the creditors supply the information to the credit bureaus. Please note just because you paid it off does not mean it comes off your credit score, it is just marked as paid, and will remain on there for 7 years, unless you where able to get a written agreement with the collector that they will remove it if it is paid

Beatrice Said:

Debit Validation... Is it better to contact the collection agency directly or the 3 credit bureaus

?

We Answered:

If these are valid debts, they won't be removed. If you really don't think these are your debts, send a dispute to the credit bureaus.

If that doesn't get them removed, send a certified, return receipt letter to the collection agency requesting validation to include copies of contracts or other documentation that proves the debt is yours. If they fail to respond within 30 days, send another dispute to the credit bureau with a copy of your validation request, indicating that the collector failed to validate.

Julia Said:

how do i contact all 3 credit bureaus about fixing delinquent credit

?

We Answered:


Good advice so far, below is a link to all the addresses, phones, etc.

I just want to say when you send in the letter to each bureau to include a copy of your identification so they will not delay investigating and correcting this. In your letter put your name, address, social security number and birthdate. If you want you can send it certified mail to make sure they receive it but it is not necessary.
Keep a copy of each letter, keep a copy of your original boa letter.

Additionally you can write back to BOA and ask them to remove it as promised in that previous letter and also send them a copy back of that letter.

That is the best way to fix credit fast - contact everyone!

    3bureau Online Credit Report

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    3 Bureau Credit Reports

    Carole Said:What secured credit card reports to all 3 credit bureaus?We Answered:First Premier, Orchard Bank, H.S.B.C. and Capital One all report to all three bureaus and offer secured credit cards....

    3 Bureau Credit Report Online

    Isaac Said:Where can i got online to get a free credit report?We Answered:There are 3 credit bureaus who will give you your credit report for free. They are Equifax, TransUnion, and Experian. You can check your credit report once a year, once at each agency, for free. It will show your debts, loans, mortgages, credit cards, etc. You will need a secure internet connection and all your personal information to verify your identity and see your report. It also recommends to print the report, so you can save the information. Remember, though, that these agencies give your credit Report, not...

    3 Credit Bureau Address

    Laurie Said:Can credit card companies find address from SSN?We Answered:DJP, The "Personal Information" section of your credit report will have every known address known by any lender that has submitted credit information to the bureaus. Banks on the other hand, may only be looking at what addresses they have on file about you. If it was a bank that denied you, perhaps it's as simple as a call to their customer service center to make sure they have all known addresses about you. If it was a credit agency, it may be worth your while pulling a...

    3 Major Credit Bureau

    Nicole Said:There must be another way to find out my FICO score from the 3 major credit reporting agencies than by....?We Answered:http:/www.truecredit.com I use this, I pay $14.95 and can see all three, plus the scores It is actually owned by TransUnion which is one of the 3 major credit bureaus Hope this helpedAngel Said:how do the 3 major credit bureaus use credit scores in issuing credit?We Answered:The 3 credit bureaus collect data on your credit accounts. They don't issue credit themselves. They just gather and summarize the info. A company called Fair Issac issues something called a FICO score based on...

    3 Major Credit Bureaus

    Roger Said:Has anyone successfully corrected their credit history through the 3 major credit bureaus?We Answered:Did you verify that it is still being reported incorrectly? By law the Credit Reporting Agencies have 30(some cases 45) days to investigate and respond to a dispute. So if it has been 11 months you need to see what is going on. You could spend the time to try and find out what happened to the original dispute, but it might be simpler to send in a new dispute. But this time send your dispute by certified mail with return receipt, so...

    4 Credit Bureaus

    Virginia Said:If your good at stats and you know it do this problem....?We Answered:you need to do a one-sample t-test using the data given in the problem. once you know that, everything falls into place. you could do it by hand, or just calculate it out in excel or SPSS....

    4 Major Credit Bureau

    Audrey Said:Who is the fourth credit bureau reporter?????We Answered:There are many other credit bureaus, both local companies handling local business for the “Big Three” and credit bureaus which the “Big Three” themselves use to verify information during credit disputes from consumers. But, I think the one you are referring to is Innovis. Other major ones besides Equifax, TransUnion and Experian include: Innovis Innovis is a new credit bureau currently being developed by CBC Companies. The credit files it is keeping are not complete, as they have not yet wooed the majority of creditors to sign up with its system as have the...

    4 Major Credit Bureaus

    Jaime Said:WHy do the 3 credit bureaus give different scores?We Answered:This should explain it to you. FICO scores from 300 to 850 and Vantage scores from 501 to 990. Here is the breakdown for both systems. Vantage Plus system scores from 501-990. A-901-990 B-801-900 C-701-800 D-601-700 F-501-600 FICO system scores from 300-850. Elite-740-& up Prime-700-739 Preferred-660-699 Standard-625-659 Sub-prime-624-& under FICO is the only one that matters since it's the one that all major lenders look at. So as you can see it depends on if your looking at a true FICO score or a Vantage plus score. As far as what makes up credit scores it's the following; 1. Payment history (longer the better) 35% 2. Time...

    American Credit Bureau

    Nellie Said:How long have credit bureaus been in existence?We Answered:If I remember correctly it was 1968. Scores are based on the following factors; 1. Payment history 35% 2. Time in bureau 15% 3. Types of credit 10% 4. New credit 10% 5. Debt to credit ratio ...

    American Credit Bureaus

    Joy Said:Did u Know that Sprint does not report your payments to credit bureaus when you sign a 2 year?We Answered:Why are you so upset by this? First of all, one inquiry does NOT hurt your credit score! It's multiple inquiries in a short amount of time that hurts it! Second of all, why should they build your credit? They are not loaning you anything. You pay for the phone upfront (or they give it to you for free) so you own that. And you pay monthly for the service. If you don't pay, they turn off...

    Associated Credit Bureau

    Jessie Said:How can I start getting credit?We Answered:It sounds as if your FICO score has been decimated by your ex. A FICO score is a snapshot of your credit risk picture at a particular point in time. The higher your score, the lower the risk to lenders. A FICO score can range from 300 to 850. The very best rates go to people with scores above 770, but a score of 700 is considered good (the average score is somewhere around 725), says Craig Watts, Fair Isaac's spokesperson. If your score is in the low 600s or below, it's time...

    Best Credit Bureau

    Clyde Said:which credit bureau is the best to order my credit report and credit score from?We Answered:TransUnion, Equifax & Experian. You need to obtain a credit report from all three as they sometimes contain different information you may need to dispute. Also you need a credit report from all three to know where you stand with all of them.Jeff Said:what is the best way to rebuilt the credit bureau?We Answered:1. get a copy of your credit report from the credit bureaus, find any incorrect information and make sure it is corrected. 2. Pay your bills on time. 3. Have a plan...

    Business Credit Bureaus

    Eric Said:How do you register tradelines to the business credit bureaus?We Answered:Eddie the answer to your question is: first we will start with dun bradstreet, In order for any A/R Data , trade experences (aka trade lines) to ever post to your credit file at dnb you must first buy in to there score builder program or credit builder plus program. If you do not buy in to there program anything reported on your company will go in to a seperete data and wont be aloud to ever post to your credit file until you do, That is if you buy into...

    Canadian Credit Bureau

    Angel Said:Name change in Canada questions?We Answered:He simply has to notify everyone of the change. His credit rating won't change. All he has to do is give the original documents and a copy of the official change of name document. He doesn't need to change. How will he travel with his kids? Why not change their names as well. They are going to have the same problems he is - and it's easier if the whole family has the same name.Carla Said:i am a canadian citizen i have some unpaid parking tickets from detroit, will it go to my credit...

    Canadian Credit Bureaus

    Kathy Said:How to fix my bad credit with my new sin?We Answered:Look, unlike the US system which uses SSNs as the primary identifier for credit files Canadian Credit Bureaus are not entirely reliant on the SIN to locate your credit file. Your name, Date of Birth, residence address and so forth can be used to identify your file. One of two situations exists, either you have a new credit file based on the new SIN, or your credit wasn't as bad as you thought. You need to know which one is true, and the easiest way to find out is to request...

    City Credit Bureau

    Randy Said:Does City of Cleveland, OH report unpaid parking ticket to credit bureaus? How can I find this out?We Answered:If the court section deals with a collection agency in regards to unpaid parking tickets, then it will be reported to the credit bureau.Sharon Said:I hear that parking tickets end up on credit reports now?We Answered:The 30 days you are thinking about is probably the time-frame for debt validation. The collection agency can still report the charged-off debt while "validating." [Quote] I. "Is it permissible under the FDCPA for a debt collector to report charged-off debts to a consumer reporting agency during the term...

    Consumer Credit Bureau

    Kim Said:What is on a consumer credit report?We Answered:hi, on your credit report are current and paid off debts to creditors and each creditor sends in reports monthly to quarterly, on if you have been late at all. it also shows any lawsuits concerning money you owe, or collection agency's looking for you for payments. hiring and firings are not on your credit report. your resume' shows places of employment and person's to contact regarding your employment performance. if anything is reported incorrectly on your credit report, you have the right to straighten out the matter,...

    Consumer Credit Bureaus

    Gail Said:What is credit management company(is it taxes)?We Answered:It says you have an unpaid balance on your account - to me that means you have missed a payment to your credit card?Jay Said:US residents: does a consumer report affect a person's credit score?We Answered:I believe this will not affect a person's credit score. I am not sure if you qualify for this but US law requires the three agencies to give you a free copy of your credit report each year. http://www.ehow.com/how_2204949_free-creJulian Said:How to get a credit card with bad credit score?We Answered:If you have poor or no credit history...

    Consumer Credit Counseling Bureau

    Martin Said:Consumer Credit Counseling?We Answered:Just so you know before you ever sign up with a company you need to find out what fees they charge you each month for working with them. Most company's charge you $5 per account every month which can add up. Consumer credit counseling will hurt your credit but can help you out in the long run. They will try to lower your payments and interest rates but most creditor won't accept there plans till you are 60 days past due which does report on your credit and can't be removed. I would look at the...

    Contact Credit Bureau

    Samuel Said:I lost my state id. How do I contact credit bureau?We Answered:See this site: http://www.fightidentitytheft.com/credit There are three that need to be contacted. However, do not use the links on that site to obtain a credit report. Get one at https://annualcreditreport.com You may get one free credit report per year from that site and make sure you get the one that includes reports from all three bureaus.Lisa Said:I need to contact the credit bureau directly?We Answered:Send the letter and copies (copies only) of any documents supporting your claim to the credit-reporting agency. Some agencies allow you to do...

    Credit Reporting Bureaus

    Frank Said:How do we go about reporting non-paying clients to the credit bureaus?We Answered:You can contact the business offices of equifax experian and trans union - you need to pay a fee to become a member but then you can report your unpaying clients to them. You can become a member of one bureau or all three....

    Credit Bureaus Address

    Loretta Said:How to bring my address current with all 3 major credit bureaus?We Answered:It's hard to do that type of change online. You can give it a try but they usually want proof of your address. If online doesn't work, call them. When they will ask you to send proof, if you are in a big rush to get it changed, request a fax number so you can fax copies of anything they may request. If they do, send them a copy of your electric bill or other utility bill. Be sure to mark out your account number. ALL they need...

    Credit Bureaus Addresses

    Clifford Said:How do I change my address with the credit bureaus?We Answered:This should not be a reason at all for anyone to decline credit to you. The address doesn't have to match. Soooo... I would take these advice already posted, and go to annualcreditreport.com. You can dispute and change things once you are on each of the credit bureau's website. You can also take off addresses that don't belong to you. Also, did you change the address on your other credit cards and other bills? If so, the address should have been automatically updated to the bureaus, (from the credit...

    Credit Bureaus Canada

    Kimberly Said:any1 know of a credit agency where i can get my credit score either then equifax and tranunion 4 in canada?We Answered:Those are the only two I know of. I used to work for credit card bank, that's all that we had for reference.Derek Said:Is Canada crdit bureau is connected to U.S credit bureau?We Answered:they use some of the same reporting agencies I know they both use equifax...

    Credit Bureaus Dispute

    Ross Said:What is the proper format to write a dispute letter to the credit bureaus?We Answered:Here are a few sources for sample letters. Also check out http://www.creditboards.com and go to their forums area. There is a large section on letters.Gregory Said:Whats do credit bureaus do when you dispute something on your credit report?We Answered:They contact the reporting lender and they have 30 days to verify the dispute or the information will get deleted from your credit report.Amber Said:If I dispute an item on my credit report, do I dispute it with all 3 credit bureaus?We Answered:Only if the item appears...

    Credit Bureaus Fraud

    Shane Said:will forged checks fraud affect the credit report?We Answered:I'm not sure from your description exactly what happened here. If an item was returned unpaid and he made up the amount to the bank, then there is no debt to report. If the matter was reported to the police and he was prosecuted, then the court records might come up on a public records search that is done by some lenders along side a check of credit history.Caroline Said:Invested with a business in the past that was a fraud, now its on credit report and I have a low score.?We...

    Credit Bureaus Fraud Alert

    Cindy Said:social security, and credit report/ fraud alert. PLEASE HELP ME.?We Answered:Since you are young you probably have a credit report of 0 rating and this caused the flagged alert. If you have not done anything to establish any credit then you have no credit report info and when you ask for your credit report it knocks points off from your score. Be careful and NEVER send anyone your personal info....

    Credit Bureaus Information

    Vanessa Said:After disputing information on your credit report, and having the credit bureaus remove the information?We Answered:If you send a dispute to the CRA's and it is removed then it can be placed back on at any time during the accounts original reporting period, but you must be notified about the re-insertion within 5 days before it is placed back on your reports. If it is removed by the data furnisher and no dispute to the CRA's was made by you then they would be in violation of the FCRA if they re-inserted it. eta I just realized I overlooked your last question. If...

    Credit Bureaus Phone Numbers

    Harold Said:Where can i get credit bureau phone numbers?We Answered:Everyone is right calling is a waste of time. Even if you do speak to a person, they will just tell you the proper procedure to file a dispute, they like everybody else needs to have "written" documentation. There is a standard procedure to dispute entries on ones credit report. These guidelines are provided by the FTC at the following link http://www.ftc.gov/bcp/edu/pubs/consumer Simply follow the proper procedures and you should get this resolved in a timely fashion. I have used this method and have had excellent results in under 30 days Hope...

    Credit Bureau Address

    Vincent Said:Does credit get reported by address or social security number.?We Answered:your ssn.Ted Said:Does change address on driver license show up in credit report?We Answered:DMVs do not report to credit bureaus. Creditors report to credit bureaus....

    Credit Bureau Addresses

    Sue Said:When you apply to rent an apartment does that automatically go to the credit bureau with your new address?We Answered:If you actually sign a lease, the apartment MAY update your address with the credit bureau. When they check your credit, they have not yet approved your application. Since you may not be moving in, they have not reason to change your credit file.Jason Said:where do i mail my PAID OFF letters to? what addresses. 3 credit bureaus?We Answered:Please know that if you have paid off collection agencies that this will in NO WAY improve your credit score....

    Credit Bureau Agencies

    Tracy Said:How do you report someone as delinquent to the credit bureau agencies?We Answered:You don't, you are not a creditor. You evict him, then you submit the judgment.Roy Said:If information viewed on my credit report from the credit bureau is in accurate, what do I do?We Answered:I've had this same thing happen to me. The best thing for you to do is contact the place where the account is. For example, if it's a Visa credit card that says it's still open, call Visa. They will give you directions on how to write to their credit bureau investigation...

    Credit Bureau Agency

    Bill Said:when does a collecton agency report to a credit bureau?We Answered:Usually, they report you to the bureau after 30 days. You should be OK, but check your credit report just to be sure.Judy Said:What's the motive of a collection agency report to Credit Bureau if ...?We Answered:This is what is referred to as the "shotgun" approach to collections. They have a name, so they research everybody with the same name and send out dunning notices or call people hoping they find the right person. If it was a legitimate debt and on your credit report, they would know...

    Credit Bureau Associate

    ...

    Credit Bureau Associates

    Ben Said:Negative Credit Reporting Policies?We Answered:Do you know for sure that this has been reported as 30 days late on your credit report? I'm going to bet not and everything is ok. In the event it was.... All you need is the ACTUAL bill stating when the due date is, and a copy of the check (or proof when it was cashed). When your reports says 30 days late...it means just that! If you can prove that they received it prior to that, send in a dispute to the credit bureau along with copies of these two items. ...

    Credit Bureau Association

    Lauren Said:HISTORY HELP CHECK THIS OUT PLEASE!!!!!?We Answered:I'll let you in on a little tip: If you PAY ATTENTION in class, and put away the cellphone on which you text your friends, etc., you'll actually BE ABLE to complete your homework assignments, instead of seeking others to do it for you.Max Said:HISTORY HELP!!!!! PLEASE HELP?We Answered:D,D,A,C,C,C,A,D...Vicki Said:Can I legally impose a fine?We Answered:You will have to read your homeowners policy. If it says that they will maintain upkeep of the grounds and are in breech of their contract, bring it to their attention in documentation, also include pictures of the...

    Credit Bureau Australia

    Sherri Said:Would a mortgage in NZ affect my loan application in Australia?We Answered:The best thing you can do, is be upfront with your lender. If they find out that you have lied on your application, why would they trust you with their money? Because you have a commitment to pay the loan in NZ, that will affect what you can borrow in Australia. Are you receiving rental income for the NZ house, if so, that will help offset the debt and would increase your borrowing power. Additionally, if you have loan statements for that house, you can show these...

    Credit Bureau Ca

    Tara Said:Is there a letter/form to reinvestigate an item on my credit report?We Answered:You can send a Debt Validation letter to the company on your credit report, if they're reporting it as a debt. You have to ask for a copy of your agreement with them and that they respond withing 30 days. You can probably find samples of it on the net. What you need to keep in mind is that they may have offices in CA but that doesn't mean that that's where you did business with them. If there is a debt listed,...

    Credit Bureau Canada

    Erica Said:When moving to Canada from the US, does your credit history follow you, or do you start over completely?We Answered:Credit reporting agencies such as Equifax, TransUnion, Northern Credit Bureaus and Equifax, only collect information from creditors about consumers’ financial experiences in Canada and is seperate from U.S. credit reporting agencies and vice versa. Despite this, financial institutions may be willing to recognize your earlier credit history outside Canada or vice versa if you ask them to do so. This may involve, for example, requesting a copy of your credit report from the credit-reporting agency in the other country and...

    Credit Bureau Collection

    Rafael Said:If collection removed from credit bureau report, will credit score go up?We Answered:Negative accounts hurt your credit score the most the first two years, after two years the damage lessens. If the account is removed, then yes your credit score will increase, however do not expect it to raise a great deal. Just make sure that you have the agreement in writing, signed by a authorized agent of the company, before you mail them a money order for payment,Danielle Said:Can i make credit bureau delete paid collection account?We Answered:You can try. The first step is to dispute the negative items...

    Credit Bureau Collections

    Sue Said:What do I need to do to fix my credit with collections in my report?We Answered:Firstly go here and do your research prior to doing anything. www.creditinfocenter.com You can actually damage your credit by getting some things to fall off. Transunion will let you get a free report to dispute info. Equifax and Experian require $10 to purchase a report so you can then use the credit report for dispute. As far as those collections go, dispute, dispute, dispute. Most collection agencies actually have no real rights to be asking for money from you...

    Credit Bureau Companies

    Don Said:do i have the right to make or ask my credit card companies or lenders to report my accounts to the bureau?We Answered:Creditors are not required by law to report your account with anyone, and that includes the credit bureaus. If it is affecting your score, consider closing those and opening accounts where they will report your on-time payments.Marie Said:Need help knowing what credit bureaus credit card companies use?We Answered:Probably you have some wrong items in your Transunion credit report. You should use credit repair agency to fix your credit - for example this one - http://creditreport.undonet.com -...

    Credit Bureau Company

    Brenda Said:Can i sue my utilities company for reporting to the credit bureau without disclosing to me?We Answered:Since they extend credit they have every right to report it to the credit bureaus. I also suspect somewhere at sometime they did disclose this information in real fine print. Your anger is misplaced, you paid the bills late and you have no cause for a lawsuit.Dorothy Said:how does a loan company report to the credit bureau?We Answered:if you are a subscriber to the bureaus then you should be able to report to them. Contact the sales rep who is assigned to...

    Credit Bureau Contact Info

    Sara Said:What does PRISM/CBSD stand for on my credit report?We Answered:I've had a Citi Mastercard - that's what it showed up as. I wouldn't doubt it's something from CitiBank!Mark Said:Attention: Credit Experts Please help!?We Answered:And now for the REAL answer. I'll answer your questions in the order that it was asked 1. the contact information for the credit bureaus are as follows Equifax P.O. Box 740256 Atlanta, GA 30374 (800)-685-1111 Web site: www.equifax.com Experian PO Box 2002 Allen, TX 75013 (888) 397-3742 Web site: www.experian.com TransUnion LLC P.O. Box 2000 Chester, PA 19022 (800) 888-4213 Web site: www.transunion.com 2. You can only dispute unauthorized inquires,...

    Credit Bureau Contact Information

    Glenn Said:Can I sue this collection agency and/or credit bureau for not reporting correct information?We Answered:Yes you can , My Sister did & I tried to call her to give you more information, but she was at work, ( Night shift ) She said when she first talked about it that it cost her $220 more than she owed to dispute it & Sue, but worth every penny , to restore her credit , & rating, & filed Something ...

    Credit Bureau Dispute

    Gina Said:Credit Bureau Dispute?We Answered:If you report that your brother fraudulently opened it, yes, he gets in trouble for breaking the law. They will remove it from your credit report and clear your name but in return for their troubles, someone else has to take the fall. Meaning your brother will be stuck the tab he ran up, his credit affected and deal with whatever legal issues this might bring on him for committing fraud. It was wrong what your brother did but it is also up to you if this is worth his credit AND him having a ...

    Credit Bureau Disputes

    Marshall Said:How do I contact a credit bureau to dispute anything?We Answered:Their numbers: Experian 888 397 3742 Equifax 800 685 1111 Trans Union 800 888 4213 You have to call and tell them the disputed item, and by law they are required to investigate and give you a free report.Lonnie Said:Do i send dispute letters to the credit bureau or the creditor themselves?We Answered:directly to the credit bureau!!!Enrique Said:When does a credit bureau decide that dipute attempts are" frivolous"?We Answered:Hacksaw Jim Duggan ignores his credit report and look at where it got him.... ....jobbing to guys half his age on HeAT.Jacqueline...

    Credit Bureau Dispute Address

    Phillip Said:How do Credit Bureaus Verify Information when a Dispute is Placed on Account?We Answered:what they do is send an electronic form to the lender saying that the person disputes the information. some lenders always immediately reply saying that they are correct, no matter what. so the credit bureau did what it is legally obligated to do and will do nothing more unless you shove it in their face. here's how you do that: at your local police department, you file a complaint for identity theft. then, you make a copy of the paperwork from that and send it in the...

    Credit Bureau Dispute Form

    Steven Said:How to rebuild credit with different types of credit and my scores quickly?We Answered:First, stop applying for new credit lines. All those recent inquiries are not only taking a bite out of your score, you are likely to be turned down because you are applying for too many new lines of credit. Instead, when you get that secured CapOne card, use it for small purchases and pay in full every month. Don't worry about usage percentages. In 6 months that account will be included in your FICO score calculation. Then try applying for regular major...

    Credit Bureau Dispute Letter

    Lynn Said:should i send one dispute letter or multiple letters to credit bureaus?We Answered:Send letters only to the agencies that list this debt on your report. If all three list it, then send a dispute letter to all three. Be advised that all the credit agencies is "verify" the debt. The collector simply sends the CA a Yes or No. If the item is not removed from your reports in 30 days, then you will begin the disputing process with the collector. This is aggrivating, but it will be worth every minute of your time. Disputing the collector means you send a letter that...

    Credit Bureau Dispute Letters

    Brenda Said:I know of dispute letters for credit bureaus, but how about ?We Answered:Most lenders as a courtesy will allow one screwup. As long as you have cured the deficiency and do not show a track record of that behavior in the future, they may be inclined to remove the late payment from your credit history.. Danny Said:Credit Issues/Dispute Letters?We Answered:This is one I've used: Send to all three reporting agencies. Your Name 123 Your Street Address Your City, ST 01234 The Credit Bureau Bureau Address Anytown, State 56789 Date Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate credit information....

    Credit Bureau Fraud

    Carole Said:Have you been the victim of bank fraud? How did you sort it out? Did the Irish Credit Bureau clear your name?We Answered:this is too serious to leave to chance - solicitor time you never know when you will need a loan, and if you are blacklisted........Vicki Said:credit identity fraud help?We Answered:get in touch with the 3 credit bureaus and tell them and they can help you get this resolved. do it now, don't wait....

    Credit Bureau Fraud Alert

    Marion Said:Remove a fraud alert...dsipute with creditor or bureau?We Answered:Not sure about the fraud alert. I know that they must work together when placing the fraud alert, but you might have to notify each one to remove it. To do the dispute process correctly, you should do it certified return receipt mail to both the bureaus AND creditors. Just send the bureaus a simple letter stating you are disputing the item, send the creditors a demand to validate letter. Also, despite what some people will tell you, disputing legitimate items on your credit report is 100% legal, and so are...

    Credit Bureau Free Annual Report

    Leona Said:how do you get free annual credit reports form the bureaus?We Answered:ANNUALCREDITREPORT.COMTyrone Said:How do I get my free annual credit report from the 3 credit bureau web site?We Answered:if you are looking for the free credit report usa national site, check out this site http://free-credit-report-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating. Hope this help,Marcia Said:Annual free credit report?We Answered:if you are looking for the free credit report and score national site, check out this site http://free-credit-report-national.com/ Here you can see your 3-in-1 Report from all three credit reporting agencies and your credit...

    Credit Bureau Free Credit Report

    Rebecca Said:What is the website where I can get a free credit report from the top credit report bureau?We Answered:if you want to get your credit report for free, check out this site http://get-credit-report-for-free.info Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score. Hope this help,Billy Said:Free Credit Bureau Report?We Answered:if you are looking for the free credit report usa national site, check out this site http://free-credit-report-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.Daryl Said:Any way to acquire a free credit report from each of the...

    Credit Bureau History

    Pamela Said:is it possible to make your credit history better by paying the credit bureau money?We Answered:No. If you have enough money to bribe someone, then just pay your bills on time with it and that will improve your score.Vernon Said:Which credit cards report your credit to the bureau?We Answered:All credit cards report your financial behavior (as opposed to your credit) to the bureaus. The bureaus determine what your credit rating is based on your composite financial behavior. If you were one of those rare individuals who read the fine print when you applied for your card you would...

    Credit Bureau Inc

    Dawn Said:How do we contact Federal Government to crack down on Credit one finance Inc about fraudent loans?We Answered:Below is the website for the Federal Trade Commission. The Federal Trade Commission is the nation's consumer protection agency. The FTC's Bureau of Consumer Protection works For The Consumer to prevent fraud, deception, and unfair business practices in the marketplace. The Bureau of Consumer Protection enhances consumer confidence by enforcing federal laws that protect consumers, empowers consumers with free information to help them exercise their rights and spot and avoid fraud and deception. They want to hear from consumers who want to get information...

    Credit Bureau Info

    Jim Said:how can I check my credit bureau info?We Answered:There are 3 agencies to check - Equifax, Trans Union & Experian. Under the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one free credit file disclosure in a 12 month period. To request this free annual disclosure you may contact the Central Source on-line at www.annualcreditreport.com. You can also contact the Central Source to request this free annual disclosure by calling toll free (877) FACTACT or by using the mail request form available at the central source website by going to www.annualcreditreport.com.Mathew Said:How can a...

    Credit Bureau Information

    Elsie Said:How does a landlord enter credit information into a person's credit bureau file?We Answered:It would cost you money and is certainly not the norm. You need to sign your company up. If you are not a company you can't report anything. Rent is paid upfront, the rent for May is paid by May 1st. Because it is a bill that is paid in advance and not a loan it is not really "credit" and is not reported.Peter Said:The credit bureau has incorrect information on file for my name how can I fix it?We Answered:If...

    Credit Bureau In Canada

    Rose Said:how long does a collection agency have to demand a payment before reporting to the credit bureau? ?We Answered:The collection agency should have already reported that to the bureaus. I am surprised it is not showing up on your reports. I am also surprised that a charge of $110 was sent to collections. Collection agencies usually don't take amounts that small. Are you sure you are dealing with a real collection agency? Or are you just dealing with the collection department of the company you owe money to? /Crystal Said:US credit and employment?We Answered:I think you're misinformed. Here in Canada numerous employers do credit...

    Credit Bureau Number

    Sonia Said:How do you know the item on your credit report is from which credit report bureau?We Answered:hi, if you are looking for the best credit report site, check out this site http://Credit-Report-Online-USA.com Here you can get your Free Credit Score and Report hope this help,Rose Said:how can i flag my social security number with the credit bureau ?We Answered:This is going to sound dumb, but look up credit bureau phone numbers either online or in the yellow pages. Call one of them - TransUnion or Equifax would be best - and you enter information by touchtone phone & that's it. If...

    Credit Bureau Office

    Jane Said:Is there a Local Credit Bureau Office in Orange County, SOCAL where you can receive a copy or your report?We Answered:www.AnnualCreditReport.com Once a year, no credit card required (it's free) and immediate.Andrew Said:Have you ever disputed items on your credit file?We Answered:You have the right to send a procedural request to the bureaus. FCRA [quote] 611. Procedure in case of disputed accuracy [15 U.S.C. ? 1681i] (7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)((iii) by not later than 15 days after receiving a request from the consumer for that description.[/quote]...

    Credit Bureau Of America

    Natalie Said:How long does a creditor have to report a bad dept on your credit report.?We Answered:Even though this debt was purchased from Bank of America, you might want to see what your state statute of limitations is on collecting the debt, You can find this at the following web site: http://www.bcsalliance.com/statute_of_li If the debt is time barred (past the SOL) then all the collection agency can do is hound you, they could not seek legal action in court to collect. Even if they did report it on your credit report, the reporting period on your credit report will still be 7...

    Credit Bureau Of Canada

    Lloyd Said:Honda Canada misreported my monthly payments to the credit bureau, what recourse do I have?We Answered:Save the lawyer fees for a moment and try to resolve this with Honda Financing first. Pull your most recent credit report and then dispute the item with Equifax directly (check Transunion as well just to be sure). Then send a copy of your credit report and a letter explaining the problem, the effect it has had on your personal credit, the hardship it has caused to Honda Financial and giving them 30 days to resolve the matter fully (make sure your letter explains precisely...

    Credit Bureau Of Canada Collections

    Julia Said:Dispute collection item on credit report (Experian) changed from "PAID" to "PAID CLOSED"?We Answered:Yeah, I noticed some similar workings with my own credit...If I were you, I would re-contact the collection agencies that are listed as reporting and have them to delete it. The credit reporting agencies will report what the collection agency tells them to report. Good luck.Leroy Said:Not paying my Yellow Page bill...?We Answered:A collection agency probably already has an account with a credit bureau, but maybe not. You may not have "borrowed" the money, but it's still an obligation that you haven't paid.Cindy Said:I got...

    Credit Bureau Phone Number

    Miguel Said:does any one know credit bureau phone # bcuz i already made the late payment but it still shows up in my credi?We Answered:You can contact the credit bureau on line to resolve the problem. cpFelix Said:what is phone number to SPEAK TO A REAL PERSON AT EXPERIAN CREDIT REPORT?We Answered:Don't know why you want to waste time on hold to speak to a real person. You will get someone who won't be able to respond to your question or handle your problem. They will pretty much just take a message -- a condensed version of what you...

    Credit Bureau Questions

    Edna Said:I have a question on credit bureau reports.?We Answered:No, it can be reported up to 3 times but sometimes you can dispute it as a double tradeline and it will work.Clara Said:Can my "landlord" (Boyfriend) report me paying my rent to him on time to a credit bureau?We Answered:unless your name is on the mortgage you aren't able to get credit for paying the rent. He cant just call up a credit bureau and say hey..she is paying me so give her good credit. you could put your name on it..but if you guys arent married it might not...

    Credit Bureau Repair

    Irma Said:How to repair credit in my case?We Answered:If you have not made any payments since 1999, those debts should fall off of your credit reports soon. Both the original creditor and the collection agencys cannot report longer than allowed, which is 7 years for credit cards. The collection agencys "must" go by the original default date that you had with the original creditor. As far as the collection agencys and actual collecting, that would depend on your states statute of limitations (SOL). If it has been since 1999, depending on your states statutes, you may be out of SOL for them...

    Credit Bureau Reporting Agencies

    Brad Said:Credit Bureaus and Agencies not reporting correctly?We Answered:contacting the companies who are not correctly reporting can be a goosechase and often doesn't result in anything. if you request your credit reports directly from the credit reporting agencies (small fee probably) you will also get a dispute form. you fill out the dispute form noting the things on your report that are incorrect and return the form to the credit reporting agency (e.g.: experian, equifax, transunion). once the reporting agency has the dispute form THEY contact each creditor you disputed and get the correct info updated on your report. if...

    Credit Bureau Reporting Agency

    Wade Said:What credit reporting agency do GM dealerships use?We Answered:A GM dealer may use all or one of the reporting agencies. Very likely that the primary one is Experian.Jennifer Said:How can a creditor (or collection agency) report to the credit bureau when they have never contacted me?We Answered:Hi, I own a credit restoration company and will be happy to answer this for you. "There is a balance of $8,000 on my credit report from a collection agency I have never heard of and has never informed me." It isn't uncommon for this to occur. perhaps the skip trace information wasn't good?...

    Credit Bureau Search

    Ben Said:I think my ex husband is using my name to obtain credit?We Answered:Contact each of the credit bureaus and put a freeze on your account. You will have to remove the freeze for you to apply for credit. So it will keep him from doing it as well. The credit bureaus can tell you what to do and give you more detail on the freeze. You can get a free copy of your credit report each from from each of the credit bureaus at https://www.annualcreditreport.com/cra/i This is the site set up under the government legislation that allowed...

    Credit Bureau Software

    Mildred Said:Have you seen your Official FBI File? It may be much more revealing than your credit report or tax records...?We Answered:You're so right !!! My experience started when a known terrorist stole my identity for nefarious reasons. Long story, short...I had to access my FBI file in order to correct the official record which was inacurate for quite some time while the ne'er-do-well went about wrecking havoc until captured abroad by the CIA thanks to the Bush Administration! Of course, no one will ever hear that from the press because the memos relating any successful terrorist captures are being withheld...

    Credit Bureau System

    Steve Said:Syncing all 3 credit reports from the 3 credit bureaus?We Answered:The Credit Reporting Agencies(TransUnion, Experian, Equifax) are just that "Reporting" agencies. That is they only put on their report what information is sent to them. They do not go out to companies looking for data to include. Some creditors will only report to one, some report to two, while others report to all 3. They may also report to each one at different times. If one of your creditors don't want to report to one or any of them there is nothing you can do to...

    Credit Bureau Systems

    Emma Said:How credit bureaus verify social security numbers?We Answered:Your home address and full name(s) with all of your credit info is what is pulled up with your social security number. Your tax i.d is information linked to your company business using that business address. Yes, they have access to it. State and Government agencies do. They know the difference between the two numbers....

    Credit Bureau Telephone

    Sean Said:What is/are the telephone number(s) to the 3 Credit Bureau?We Answered:Equifax P.O. Box 740241 Atlanta, GA 30374 (800)-685-1111 Web site: www.equifax.com Experian PO Box 9554 Allen, TX 75013 (888) 397-3742 Web site: www.experian.com TransUnion LLC P.O. Box 1000 Chester, PA 19022 (800) 888-4213 Web site: www.transunion.comLonnie Said:Credit bureaus annoy the hell out of me. How are they legal?They have all your personal info as well?We Answered:I think that credit scores and credit reporting is a form of Economic Discrimination and should be illegal. It's only because most people are in the situations they are in due to financial hardships, and not being deadbeats.David Said:Under what...

    Credit Bureau Uk

    Mildred Said:Who do you recommend in the uk for financial advice & debt management,and help in all sorts of financial?We Answered:Get yourself an appointment with the CAB as soon as possible...Eileen Said:Have got a good credit history as i have never defaulted or been late with a payment, but i have huge debts...We Answered:I'm not sure why you are wanting to 'consolidate' your 'loans'? you have a good credit score because you have debt - not because you are a good payer! I'm not sure I would advise you to get an unsecured loan of 20k if your loans are...

    Credit Bureau Update

    Megan Said:How long does it take for the credit bureaus to update your score.?We Answered:It depends how often your creditors update them. Some creditors do it every 30 days some do it every 90 days. So whenever they get an update from your creditors they update your score, i would give it a couple days though obviously, nothing is immediate.Edgar Said:HOW DO YOU GET THE CREDIT BUREAUS TO UPDATE CREDIT REPORTS?We Answered:Ask lenders for agreement to delete this items from your credit report when paying them. I recommend to get such agreement thru credit repair agency, for example this one...

    Credit Bureau Usa

    Janet Said:what countries use a credit bureau and scores?We Answered:Any country with businesses issuing credit has a centralized credit database. There is no country in the world that will issue credit without obtaining some sort of credit history.Emily Said:How is the best way to increase your FICO Score with the credit bureau's ?We Answered:Keep paying your bills on time and don't miss any payments. Definitely don't miss a mortgage payment - that will kill your credit score. You have a decent score right now, despite having a fairly short credit history. If there are any errors on your...

    Credit Card Bureaus

    Carl Said:I need a credit card that reports to credit bureaus and doesn't report that it is secured?We Answered:Get a secured card like http://www.finance.ebookorama.com/nextmi it will report toall credit bureaus and it is just perfect to build credit.Gary Said:Which credit card companies report available credit to the credits bureaus?We Answered:CITI CHASE GE BANK WELLSFARGOKaren Said:Is the JC Penny credit card good to start credit with credit bureaus?We Answered:Definitely! I established my credit with them. They were the first to give me a chance and so I stay loyal to them. I wish more big companies got this fact. They are too busy worried about the bottom...

    Credit Collections Bureau

    Billie Said:When can a collections company report information to a credit bureau?We Answered:A Collection Company will report the account within 30 days of receipt as at the time the account was turned for collection it was declared in default and due upon demand by the creditor. The account will not be listed until the validation notice has been sent. The fact you disputed the bill will only be valid if a legitimate dispute is present IE the bill was already paid and you have copy of the check. You cannot just state the bill is disputed and not...

    Credit Collection Bureau

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    Credit Fraud Bureau

    Shirley Said:How do I put a fraud alert on my credit?We Answered:Just call Trans Union Fraud Dept. Their toll free # 1-800-680-7289. They'll notify the other 2 bureaus and must be renewed every 90 days in order to keep it active. You should also run your free credit reports from annualcreditreport.com or call Trans Union toll free @ 1-877-322-8228.for all 3 free reports. If there is something on the reports you're not aware of, dispute it immediately.Tonya Said:What is better, fraud alert or credit freeze?We Answered:A fraud alert allows you to take out new credit or to let someone check...

    Credit Information Bureau

    Lucy Said:How do I get information put into the credit bureau?We Answered:The sellers would have to join the bureaus and report it. However, legally you are talking about rent, not credit and it will not show up as a credit. In order for them to report credit of 32k they have to give you 32k in cash and then you make payments on that money. Rent is an expense, paid in advance, the opposite of credit....

    Credit Information Bureaus

    Tracey Said:How do credit bureaus collect employment information?We Answered:Yes they do. When I pull my credit report, it lists all the companies I've worked for in the last 10 years.Elsie Said:What do I do if a creditor has not reported my account information to credit bureaus while in good standing?We Answered:They are not obligated to report it monthly. That's why I always answer on here to make sure they belong to the credit bureau. And yes, if you default on the loan, that will be recorded on your reports.Jacob Said:Do the three main credit bureaus own...

    Credit Repair Bureau

    Rita Said:Are credit repair bureaus worth it if I have a 680 score but have late pmts on my history?We Answered:no. credit repair firms are usually fraudulent and/or scams. They ask for a ton of money up front and either never do anything, or create new information which is illegal. A 680 score will pretty much get you anything you want anyway...

    Credit Reporting Bureau

    Patricia Said:credit bureau reporting I'm deceased.....(anyone heard of this)?We Answered:Send a certified letter to all three credit bureau's--they have to sign upon receipt. Your social scty number is still active which is proof you-- yourself is still "active" not deceased. You can include any other bill as evidence (any one can obtain electric/water ect in a name) but a copy of your current driver's license and ssn card should provide proof. Make sure social security dept has not reported you "deceased" Only one number entered wrong by some overworked clerk can cause you a mountain of a headache.Bertha Said:which...

    Free Credit Bureau Reports

    Eric Said:Free Credit Reports from other Bureaus?We Answered:Of course you can. Just go back to the same place and order it from there!Joyce Said:Can I get free credit reports from all 3 bureaus?We Answered:freecreditreport.com ...

    Free Three Bureau Credit Report

    Ross Said:Is it true that we can get a free credit report from all three major credit bureaus?We Answered:Yes it is true. Visit http://www.annualcreditreport.com for info on it.Eugene Said:Why did two of the Big 3 credit bureaus ask me questions like these when I requested a free credit report?We Answered:Stopping identity theft gets tougher and tougher as the thieves get wiser and wiser. If indeed the truth for you is "E.NONE OF THE ABOVE they could be giving you a routine challenge question. The standard excuse is that they are "protecting" you from identity theft. Two things raise...

    Government Credit Bureau

    Linda Said:Credit report. where do I get the 3 credit reports that the government says we entitlted to receive for free..?We Answered:if you are looking for the free credit score and report usa national site, check out this site http://free-credit-report-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.Lois Said:Where does all the credit card money come from?We Answered:More than 50% of US credit card holders have never paid interest on a credit card. If you pay in full each month - you not only get top 800+ scores, you never pay interest. /Elizabeth Said:Which...

    How To Contact Credit Bureau

    Martha Said:I am not diputing, just cancelling my credit cars - how to contact credit bureaus?We Answered:sure, but you can back it up by checking your reports. In US you can get one free report each year from each of the 3 bureaus (and get their contacts and website) from www.freecreditreport.com The site really is free, but use caution because there will be several places where they will make offers for additional services that do cost money. Also, expand your report and look at every detail before you capture it, otherwise details remain hidden.Herman Said:How long...

    How To Report To Credit Bureaus

    Edith Said:How do I obtain a free credit report from each of the major credit bureaus?We Answered:Hi Searcher, Here's what you need... The three major credit bureaus are: 1. Equifax - http://www.equifax.com/ 2. Experian - http://www.experian.com/ 3. TransUnion - http://www.transunion.com/ By law, the Fair Credit Reporting Act (FCRA) now requires each of the nationwide consumer reporting companies (listed above) to provide you with a free copy of your credit report, at your request, once every 12 months. For more information, read Facts for Consumers: Your Access to Free Credit Reports at FTC.gov. There are three ways to obtain a Free Credit Report under the FCRA: ...

    Identity Theft Credit Bureau

    Benjamin Said:Victim of Identity Theft, How do I get the accounts removed from my credit report?We Answered:Dispute the accounts with the credit bureaus. Indicate ID theft and include a copy of the police report. Send a certified, return receipt to each original creditor and the collection agencies indicating the ID theft. Enclose a copy of the police report. He should also send a certified, return receipt letter to the cable/dsl/phone service indicating the ID theft and insisting that his name be removed from the account. Also enclose a copy of the police report. The young man should be prepared to...

    Identity Theft Credit Bureaus

    Gina Said:I need help building CREDIT ! i have no credit history and just recently fixed problem due to identity theft?We Answered:I started with a regular Discover card. They were very good to me, never had problems or anything. The limit was low, but that doesn't matter when you are trying to build credit. Make sure that the card you choose has no yearly fees, they are completely unnecessary since most cards give you rewards even if you don't pay a fee.Brittany Said:What should I do if I got a letter saying I may have been the...

    International Credit Bureau

    Eric Said:Can International credit bureaus report any delinquent charges to US credit bureaus?We Answered:No, credit ratings are not transnational.Katrina Said:A delinquent credit obligation?We Answered:Write to Equifax. They owe you a free copy of your credit report. Dispute any negative thing you see on there and they will have to remove that unless they can prove that.Jason Said:debt for damages in rented apartment. Help plz.?We Answered:Forget the credit bureau. The only REPORT information supplied by creditors. They NEVER handle payments. Unless the collection agency actually BOUGHT the debt, you are probably better off dealing directly with...

    Japanese Credit Bureau

    Courtney Said:eBay fraud...any other steps I should take?We Answered:Are you certain that it is actually eBay? There are a lot of spammers who are sending out emails like that, and then when you click on something to report that you didn't make the bid, you get phished. Have you logged into your eBay account to make sure they actually have a bid on such a thing? If so, I know that eBay can trace the IP address of where the bid came from. That might not prove who did it, but it could certainly prove that you didn't. Good luck. ...

    Local Credit Bureau

    Frank Said:How do we report an unpaid civil judgement to the credit bureau?We Answered:The credit bureaus routinely check these public records, so they will likely find it, if they haven't already.Maurice Said:I am getting sued by a credit bureau.... Help!?We Answered:First...confirm if you are "really" being sued. Debt collectors LOVE to scare people with bogus threats of a lawsuit. Have you officially been served papers for a court date? If you have, then the threat is obviously real....In this case, try to work out an arrangement prior to the court date...If you can't do that, you MUST...

    Major Credit Bureau

    Manuel Said:I just just applied for a capital one credit card, how do I show proof of my credit limit to credit bureau?We Answered:Yes. Cap1 does not report your limit. This is important because, without a credit limit reported, your fico score is determined by arbitrary number, in this case it will take your highest spending month and label that as your credit limit. So if that were to be 500 and the next month you spend 400, it would show that you spend 80% of your available credit, which will drop your score. To those who think just...

    Merchants Credit Bureau

    Terry Said:How do I get my 1000.00 back from a merchant?We Answered:I wouldn't worry, your credit card company should take care of this, this is why it's good to buy things on credit cards. Usually a store has policies about refunds, but in this case you didn't even receive the merchandise.Chris Said:I have been scammed by an internet fraud, can anyone advise me what to do?We Answered:I would be persistent with the BBB and inform them that regardless of what they were told it has not happened. If you do not get results I would ask to speak to...

    Merchant Credit Bureau

    Michelle Said:How can I get a Merchant Bank Account with a bad credit rating?We Answered:A bounced cheque only shouldn't give you a bad credit rating. Did you have a look at your credit report? You can get them for free from different credit bureaus. Depending on where you are, I'd try these two companies to get a merchant account: Canada: www.cardsolveprovincial.com US: www.iso4chase.com Trying it with different companies to get a merchant account might help, you can probably get an account somewhere, some merchant account companies do give higher risk accounts as well, though their rates are high!...

    National Credit Bureau

    Duane Said:Should the credit bureaus be consolidated into one national database overseen by the government?We Answered:No! Regulated more and heavily penalized for non compliance, but the last thing we need is more government!Hugh Said:IS national credit relief bureau a scam?We Answered:I don't know about this particular bureau but there's not a lot that other people can do for your credit that you can't do yourself. See about combining your balances into a line of credit, they often have much lower interest rates and you'll just have the one payment. Then be sure not to use your credit cards...

    National Credit Bureaus

    Carole Said:Can a utility company report you as a late payment to credit bureaus if you are honoring your deferred paymentWe Answered:The fact that she's agreed to make monthly payments does not erase the fact that she was 90 days late making the initial payments....

    New Credit Bureau

    Claudia Said:Does increasing a credit card limit considered as opening a new account in the credit bureau?We Answered:No . . . if your credit limit was (say) $ 5 K . . . and its been increased to 10 K . . . the listing on the bureau as value changes in relation to that card is all. In fact, if you continue to pay your balances regularly and stay well with your credit it will assist you in the long run to having a higher credit bureau score.Steve Said:when does new credit card report balance to credit bureau for first...

    Northern Credit Bureau

    Ellen Said:Economis GCSE. Learning my source 1 of my case study. Any help on answering my questions? =-)?We Answered:There is a lot of questions here and you could go in to a lot of detail regarding each one of them. Find yourself a tutor who can quickly help you out with these questions. Visit our website to find an on-line economics tutor who can quickly help you with these problems: http://www.HomeTutoringOnline.co.uk...

    Premium Credit Bureau

    Wesley Said:What in HR 3200 enforces the fact that illegals won't be covered?We Answered:Section, 246, entitled, No Federal Payment for Undocumented Aliens.Miriam Said:What about this solution to one aspect of the health care crisis?We Answered:Or, you could do what other countries -- Canada, Belgium, France, Germany, England, Denmark, etc have done -- and create a "universal health care" program which covers everyone with quality care (including choice of doctors; no HMO-type "referral" system!) and is subsidized through income taxes. And yes, the richer you are (the more money you make), the more you pay...which is how it should be. Many...

    Reporting To Credit Bureaus

    Victor Said:A few questions about reporting to the credit bureaus?We Answered:Creditors report on their own schedules -- some monthly, some quarterly, some weekly. It will probably take about 60 days for the paid off credit card to show up. The item will probably fall off within the month.Francis Said:My bank is not reporting my credit history to the credit bureaus?We Answered:Join the club , They dont care . Change banks it worked for me....lolRoy Said:Is there a website from which I can check my credit score from all three credit reporting bureaus?We Answered:the free credit report site gives...

    Report To Credit Bureaus

    Dora Said:Does Fingerhut credit report to credit bureaus?We Answered:I forget which ones they report to, but I believe it is 2 of the 3 as most of my clients with Fingerhut/HFC accounts do have reports from them whenever they pull their credit report. Sorry I couldn't specify further. You can often times call customer service and they can tell you or direct you to someone who will know.Edward Said:Can a scavenger bill collector report to the credit bureaus?We Answered:Yes, even scavenger or zombie bill collectors can report debts to the credit bureaus. However, derogatory items age off your credit report 7-1/2 years...

    The Credit Bureau Inc

    Grace Said:What should I do first?? Collection agency?We Answered:If you can't get them to send you a letter, send them one. Indicate that you are not acknowledging the debt but making the offer to resolve the issue and keep the item off your credit report. Ask that an authorized agent of the collection agency sign and return a copy of your letter indicating acceptance of your offer. When you get the signed copy, send them a money order. Absolutely stick to your guns. Get it in writing and only pay via money order.Agnes Said:credit question again?We Answered:It...

    The Three Credit Bureau

    Carole Said:If all three credit bureau's have different credit scores, is it bad?We Answered:To answer your question, no its not bad that you have 3 different credit scores. I'm not sure if writing a letter to each bureau is going to change anything but if your scores are high on all 3, I wouldn't worry. As an ex-Realtor, I do know that when you apply for a home loan the lender looks at all 3 bureau scores. They then take the lowest score and give you your interest rate based on that one score. Just keep up the good work...

    The Three Credit Bureaus

    Eleanor Said:Can creditors report bad cedit to the three credit bureaus if they have never reported good credit?We Answered:Yes. They can report whatever is factual - good or bad. If you're talking about utility bills, cell phone bills or apartment rentals, those are not "credit" and are never routinely reported. If you default on a bill, however, it will be reported as a negative.Lillian Said:Does all three credit bureaus have different credit scores on you? How do you know which is the right one?We Answered:Yes, each credit reporting agency calculates your credit score a bit differently. It's...

    Three Big Credit Bureaus

    Albert Said:Which of the big three credit bureaus is the smallest one?We Answered:TransUnion. Equifax is by far the largest. Experian and TransUnion rank two and three.Robin Said:What if I financed products so the financer would report to the credit bureaus, but they never reported?We Answered:Probably nothing. They are not required to report your credit history. They probably reserve the right to do so with the wording of the contract but that does not obligate them to do so. However, did you check your credit with all 3 major credit bureaus? They may not report to all 3 of...

    Three Bureau Credit Reports

    Floyd Said:if i want to dispute negative things on my credit report, do i need to dispute all three reports?We Answered:There are 2 ways of doing this, you can dispute the accounts with the original creditor and if the information is wrong they are responsible per the Fair Credit Reporting Act (Federal law) to notify all three credit bureaus. Or you can dispute it with each credit bureau separately.Jenny Said:Reporting deliquent accounts to the three credit reports??We Answered:WEll to my knowledge . Yes you can you have to look into it more contact the agencies. I worked for a small...

    Three Credit Bureau Address

    Mary Said:How do I fix information on my credit bureaus profiles on me?We Answered:www.annualcreditreport.com its suppost to give it to you freeRosa Said:how can i get the mailing address to all three credit bureaus?We Answered:Go to their websites and look for a "contact us" link.Theodore Said:Can anyone please help me. I need the actual mailing address for all three credit bureaus. I checked on line?We Answered:Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 Call 1-877-322-8228 Equifax P.O. Box 740241 Atlanta, GA 30374 1-800-685-1111 http://www.equifax.com/home/ Equifax is the only one of the 3 bureaus that will give you your FICO credit score Experian P.O. Box 2104 Allen, TX 75013 1 888...

    Three Credit Bureau Reports

    Sarah Said:What are my rights when I find out my credit union isn't posting my payments to any of the three credit bureauWe Answered:A lot of small banks and credit unions do not report to the credit bureaus because this way they keep their customers captive. There is no law that requires them to report. You can call them and request that they do, but there is no way to force them to. As far as what the dealer told you, they are full of it. Your credit union will report the repossession if you let it go back and will be...

    Three Credit Report Bureaus

    Brittany Said:With a freeze on a credit report with all three credit bureaus, can other companies still check your history?We Answered:My understanding is that your permission is required for additional reports to be done after you freeze it. Be aware that the freeze usually is for a limited time period.Jesse Said:Why is it so hard to get a credit report showing all three credit bureaus that includes your credit score?We Answered:we just had to pay using equifax like 39.00 I think for an all in one report that had all three FICO scores for my husband and all three...

    Three Major Credit Bureau

    Jeffrey Said:How do I report my clients to the three major credit bureaus?We Answered:It's really tough. You need at least 2000 account unless you are a bank, car lender or collection company to report to all three. You need 500 accounts to report to two of the bureaus. You need 100 to report to one of them. You have to have a physical, staffed office with the proper computer hardware and metro2 software. You have to have IAPP compliant filing and software. You have to have been in business for a few years at least. ...

    Three Major Credit Bureaus

    Billy Said:there are three major credit bureaus,which one is the best out of three?We Answered:None of them are the best. If you are asking so you know how to monitor your credit you need all three because that is how lenders determine your lending ability in relation to your FICO score. Go to www.myFICO.com . Each of the three bureaus report different things so you need to make sure all three are in your favor when you are trying to borrow money.Crystal Said:Does (US Bank) report to all three major credit bureaus?We Answered:Most large banks do report...

    Top 3 Credit Bureaus

    Beatrice Said:How to file a complaint for non-payment of debt with the 3 credit reporting bureaus?We Answered:You can't. Individuals cannot turn stuff in on someone to show up as negative on their credit report because they owe them money. And the so called damages you say they cased you can't make up a number and say it's this much and they owe me that and turn it in as bad debt on someone's credit. Nice try though.Enrique Said:Why do we have 3 different credit score and how do I know which one people go by? I need to get...

    To The Credit Bureau

    Esther Said:How do I write a letter to credit bureau to have report updated?We Answered:You can update online. Check all things that are wrong and dispute anything you want changed. Then they will check it out and send you the results. The credit bureau just puts in what creditors tell them and do not change them unless you go through their dispute section. It was about 6 years aga when I had to do that but I do not know if things changed. You can get your credit report online and all the info will be there if you have...

    Triple Bureau Credit Report

    April Said:Credit Fraud? Not sure.. help?We Answered:You are entitled to a free credit report each year from each of the three credit bureaus. Do not waste money using those credit monitoring sites (freecreditreport.com et al). If you were not able to get your reports thru AnnualCreditReport.com (it's the only really free site), you need to send a written request. You will need to include copies of your social security card, driver's license, and something address to you at your current address. Calling the credit bureaus will get you absolutely no where. When you get your credit...

    Tri Bureau Credit Report

    Jane Said:What is the TransUnion credit score good for?We Answered:I work for one of the largest mortgage lenders in the US. We pull a tri-bureau merge report, which means we look at all three of your credit reports. For pricing purposes, we use the middle of your three scores. TransUnion is NOT always the highest. Each bureau uses their own proprietary formula and can only take into account information that is reported to them.Mabel Said:where can I get a monthly credit report from the three big once for one small price?We Answered:Hi D - You really...

    Trw Credit Bureau

    Catherine Said:what is the best way to bulid credit?We Answered:Many articles on how to increase your score, plus what you should avoid... http://www.freewebs.com/infosource100/cr… "Clean Credit Report: Easily Raise Your Credit Score 100 Points By Vincent Dail Your credit report contains information about where you work, live and how you pay your bills (On time or not). It also may show whether you've been sued, arrested or have filed for bankruptcy with in the last 10 years. Companies called consumer reporting agencies (cra) or credit bureaus compile and sell your credit report to businesses all over the world. Many financial advisors suggest that you periodically...

    United States Credit Bureau

    Alberto Said:Legal Advice, can anybody help me?We Answered:Hello, After reading through this it appears there was someone who had bad credit and couldn't get a lone so they decided they would get navy federal members to pay for it through some legal action. Essentially we are all part of it and get $1.00 and forfeit any rights to take any further action down the road unless you write to them and request to "opt out" which is what I will be doing after I write this. Who do they think pays for all of...

    Which Credit Bureau

    Linda Said:Is there a way of knowing which stores use which credit bureau?We Answered:Everyone is wrong. Especially the person that said Transunion is used 99% of the time. Companies pull different reports based on their prefrences and where you live. A company can pull TU in New York and pull Equifax in TX. Go to: http://creditboards.com/forums/index.php You can search by CRA or state. BTW. Walmart card is junk and hard to get approved for. If you do get approved you get a low limit like $200. Best buy is also difficult. Target is the easiest of the 3. Message me if...

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