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Credit Report Help

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Ralph Said:

credit Report?

We Answered:

There are three reporting agencies (Transunion, Experian, Equifax). You can search for each one on the internet. You can obtain the reports from them. There is a free guide at http://www.your-credit-soltuion.com that explains credit repair and debt management. You should check it out also.

Good Luck!

Floyd Said:

How do you file a credit report when a customer refuses to pay his bill?

We Answered:

Take the bills straight to a collection agency. It shouldn't cost you anything and you get what is owed you if they collect. They get whatever penalty fees the ower has to pay. You also write it off in taxes as a loss.

Marsha Said:

Credit report!!!?

We Answered:

It sounds like you have a mixed file with someone else. Since you used freecreditreports.com (Experian) you can dispute the errors through Experian. Did you order a 3 in 1 report or just a single Experian report ?

If you ordered a 3 in 1, you will only be able to dispute the Experian report and not the other 2. If you want to dispute the other 2, you have order a report directly from the other 2 bureaus. Why ? Because they require you to have a report number and each of the bureaus provides their own report numbers.

If you did not order a 3 in 1 - follow these steps...

1. Contact Experian and dispute everything including any addresses that are not yours and tell them you may have a mixed file with someone else who has a similar name or similar spelling.

2. Go to https://www.annualcreditreport.com/cra/i
You will need to order a Transunion and Equifax credit report from that site. It's free because you are entitled to 1 free credit report a year from that site.

3. After you have the Transunion and Equifax report, dispute everything that is not yours including addresses. Call the bureaus and let them know that you may have a mixed file and it needs to be corrected.

The dispute process cannot take more than 30 days and you should have a new report within a month. You should get into the habit of checking your reports once a year for accuracy. And if you have a security concern (id theft), ask the bureaus what steps you can take to reduce the risk.


Good luck !

Chester Said:

How do I remedy a Credit Report debt supposed to have been assigned to my X Husband?

We Answered:

?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - freecreditreport.hotusa.org

Billie Said:

How I can get free credit report once a year allowed by the government?

We Answered:

AnnualCreditReport.com is the site mandated by the FTC to allow online access to your free annual credit reports from each of the three credit bureaus. This is the only site that doesn't require you to sign up for monitoring services. Reports are free; scores are not.

Melissa Said:

credit report?

We Answered:

Auto finance is what I do for a living and there are several thing in play here.

First, there are three credit bureaus and each one has their own way of calculating your score, add to this that all lenders do not report to all credit bureaus and some do not report at all and you begin to see why there is so much difference in the three scores.

Second, auto loan lenders pull whats called a "Auto enhanced" bureau which favors you because it scores higher then a regular bureau based on your installment credit profile. So your scores on the "Auto enhanced" bureau should be higher.

Third, all lenders look at different bureaus, it depends on what State you live in and what your Zip code is. The Finance Manager will review your credit and decide which lender to send it to based on his knowledge of which lender looks at which bureau.

Gail Said:

Credit Report?

We Answered:

Yes, it's hurting your score.

Send a dispute letter to the credit bureau.

What dates are on this report? when was it reported? You may want to send demand to validate letter to the collection agency and ask them to explain themselves or wind up with a lawsuit for posting inaccurate info on your report. Your Ad Here

Discuss It!

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The Finance Manager will review your credit and decide which lender to send it to based on his knowledge of which lender looks at which bureau.

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