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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 people to get it straightened out. You may also contact Experian, they can sometimes investigate it for you.
Just so you know though, this process can take up to 30 days. There is no need to pay for a lawyer, you can do this on your own. Good luck!
Marilyn Said:Can I have my car payments manually reported to the credit bureau?
We Answered:Auto finance is what I do for a living and you need to contact all three bureaus and ask them for the forms.
Now, even if you get this account added, the only things that will show are the opening date, closing date and the amount borrowed. No payment history, so it really will not help you much.
Marc Said:How soon do collection agencies send accounts to credit bureau?
We Answered:You were extremely lucky, but it depends.
It could be that you were dealing with a small collection agency that do not subscribe to the credit bureaus. Credit reporting is expensive, and credit bureaus collect information only from their members (and from public records).
For future reference, if you ever have to pay off a collection agency again, get a "pay for delete" agreement with them. The collection agency must agree to delete all derogatory information they placed in your credit files. Get the agreement in writing before you pay a dime. Keep copies for your records.
Gabriel Said:I am in credit bureau. Is my debt causing interests? What happens next?
We Answered:You question isn't very clear. Are you in default for a debt? Is it actually yours? If it isn't your debt, dispute it with the credit bureaus.
Just because you stopped paying, doesn't mean interest and other fees don't continue. If this is the first negative on your credit report, you should contact the creditor and work out payment arrangements. Get any settlement arrangement in writing before you pay and don't give them access to your bank account.
Negatives stay on your credit report for 7 years and 180 days from the date of delinquency.