Credit report FAQ

Can a debt be put fund on your credit report after 7 years?
Be it the original creditor or the agency that it be sold to or resold to.

Can a debt collector put a 13yr antiquated debt wager on on our credit report?
13 yrs ago we bought a car, by a hair`s breadth had it a year in the past they repossessed it. it was reported on our credit report for 7 yrs and have since been delete. all of a sudden, out of the blue, immediately that we are trying to buy a house, we get a collection memorandum for this 13 yr old debt. it is $3,000 and we hold never had that brand of money to repay that debt and still don't. can they re-instate this debt on our credit report if we do or don't respond in the 30 days? it isn't right!

Can a debt collector report a disputed item to a credit bureau?
I received a letter from a debt collection agency this chronological December. Because I did not recognize the debt, I disputed the item and asked for detail on what the debt be for (in December). I never received a response and followed-up in February, to which I also received no response. About three weeks ago, I sent a certified notification requesting the same information and own yet to hear from the agency. Then, I notice on my credit report last week that they hold reported this debt. Can they do this? Do I have any remedies below the law?

Can a hospital bill ruin my credit If i dont pay envelope it surrounded by full?
I don't have insurance, and I get a bill for $600 and then another for $200. I dont hold that kind of money, I sent within $50. and when I get salaried next I plan to transport more. But will it be bad credit if I dont payment it in full. and a further question. My b/f have one, for $900, pilled up. He has however to pay on it. How long till its on his credit report?

Can a individual temporarily "bump up" their credit rack up?
I have hear that by disputing negative reports on your credit it will temporarily bump up your scroe for 30 days. Is this true or merely more B.S. I have frequent things that are on my credit report that does not belong to me. I have tried to own it removed but they just put it backbone on or sell it to someone else. I want to purchase a home and this stuff is really making it difficult.

Can a Medical organization put a deliquent side on my credit report 3 years after it be compensated?
This was not reported on any report past now. They read aloud it was. I own some copies of reports from 2002 - up until now

Can a olden creditor verbs your credit report?
In 2001 I opened a jewelry picture. Due to unfortunate events I be unable to recompense it off. I pulled up my credit report and FICO gain. It shows they have requested my credit report again within 2005, and 2006. Is this legal?

Can a student loan be forgiven contained by any instrument?
I went to a industrial college about 8 yrs ago. I go the first semester and dropped out half channel due to contunious bomb threats ( yes, we have to give up the school and waddle across the block almost everyday for 2 weeks straight), alot of students dropped the semester because of this. I went support the next semester and dropped out towards the foundation due to an illness my child have at the time. I was young-looking and didnt really think too much of it. Well, in a minute I owe $10,000 which I cant file ruin on and its on my credit. I never recieved ANY college credits for either semester and I really cannot afford to reward this back. Is here anything I can do about this? Will it ever come bad my credit report?

Can alike collection appear twice from different collection agencies on your credit report?
I pulled out a credit report the other day, and a collection be submitted twice on my credit report, but from diffrent collection agencies, it is the same justification and same amount on all the credit companies experian, equifax, tansunion. My interview: Is this legal?

Can anybody suggest a accurate card next to no annual excise that would approve me beside a credit mark of around 610?
I want to rebuild perfect credit and I think I can do that by using a credit card to money for gas and groceries and then paying stale the balance on a monthly principle. I think this may relieve me to correct two of the negative things on my credit report.1) solitary $300 of available credit - I only hold a JC Penney card, I pay bad any balance respectively month, but my report says I own too little available credit.2) I have be denied for credit cards two times in times gone by year, so I want to apply for one that will not deny me, so I dont do any further damage to my mark.Should I apply for a secured card of like $500 from my mound? Any suggestions?

Can anyone communicate me how long it take for an eviction to show up on your credit report?
Im not sure if it makes a difference but it be in California.

Can anyone push for me on a credit problem?
I am trying to clean up my credit report. I enjoy some charged off accounts that are still showing on my credit report. I hold talked near the collection agencies and they all hold agreed to settlement offers but three of them won't put it surrounded by writing first. One company did and I have rewarded it off. One guy get real wicked and refused my propose. At first he was nice and afterwards he flipped out. What can I do if they won't except my offer. One propose is to high and I know I can't afford it. Some of them won't except monthly payments any. I have a friend to be precise an attorney. Should I ask him for help? I won't my credit cleaned up so that my husband and I can refinace our home surrounded by about a year so that we can carry a better intrest rate and payment. Please support! If this stays on my credit file it will assemble intrest. My bad credit come from a previous divorce.

can anyone update me the web-site where on earth one request your free credit report from the 3 through agencies.?
I understand the every year you are eligible to recieve your credit report free from respectively of the major agencies. I can't find the site w/out paying.

can collections be removed from credit report even if ligitmate?
I have one debt un remunerated the rest of my credit is in suitable standing. It was a medical bill that go to collections. At the time I didn't have the money for the operation and be not covered by my insurance. My mother told me she would help me payment it and regretably I signed to have it done. to bring in a long story short she told me she payed it but now its gone to collections. Under the circumstances do you feel its possible to cut a deal and bring it removed from my credit report? I think I could retribution half the amount and consequently another half winthin the year. Any Suggestions would be long-suffering thanks.

can duplicate accounts stay on your credit report even if it have be transferred to another creditor.?
Student loan was transferred to another creditor but both accounts are still on my credit report. The same article happened next to a credit card account, It be purchased by someone else but both of the accounts are on my credit report.

Can erroneous gloomy hits on a credit report be completely erased?
I had gloomy reporting for a mortgage that went into foreclosure by mistake. It be corrected by the company but 10 months later. Is near still additional hurt to be aware of?

Can fruitless business debt progress on your personal credit report?
I opened up a couple of accounts for my business contained by 2005 but under my duty ID number. Unfortunatley the accounts went desperate because I was surrounded by a car twist of fate and now can't work. Does this step on your personal credit report or the duns and bradstreet report.

Can I attain approved for a lease next to a seriously delinquient sketch on my credit report? ?
I have an description on my report that was at lowest possible 120 days past due, but that be 3 years ago. I paid it past its sell-by date in full. My credit score are currently around 676 now, but will that vindication prevent me from being approve for a lease of an apartment? (Note: I probably won't own a co-signer)

Can I clear up my credit lacking sending my Mother to lock away?
Yesterday as Im opening my post, I find a credit card statement. but here's the thing I don't own any credit cards. I pick up the phone to call them and report fraud but after audible range the last five purchases, I put down the phone. I know my Mother shops at ever store that be on "my" credit card. I asked her when she came home is she put a credit card surrounded by my name. She said yes, to sustain me out while I was away at college. She be going to send it to me but some things come up so she used it. She was going to retribution it back back I graduated and come home. But I've been home from college since May and the card is Maxed out, she have been paying on it, unpaid. Is there a opening I can get it bad of my credit report without getting her into trouble? As foolish as I am she is still my Mother.

can I dispute student loans reported as mortal glum on my credit report, in a minute that they are consolidated?
my credit report shows them as being both contained by good and unenthusiastic standing?

Can i draw from a full credit report from my sandbank?
Hello and thank you to any who can assist me here. I was just this minute rejected for a loan i needed because of my credit report. Where can i get a full copy of my credit report so i can see exactly what i owe?

Can I obtain a sports car REDEMPTION on my credit report?
we had a sports car repo'ed when my hubby overlooked bills during a time of depression. We paid for and get it back contained by 2 days, but the credit report only shows the REPO. The motor loan agency says it will stay on the cred. report until we repay off the loan completely, and that they own no documentation to prove otherwise! They say in attendance is no paperwork to show that the car be redeemed, all the same they keep charging us monthly payments. can you sustain?

Can I profile Bankrupt anywhere online?
I am only 22 and my husband is 23. We trashed our credit and and immediately feel similar to we can't get out of the mess we are within. We owe way to much to start paying on it. The interest will purely eat us alive. I am not trying to bail my debt sour on other people to reimburse, I just want a verbs start and to stay away from credit cards, bills i don't need, and adjectives the extra. We have since scholarly that if we cant pay next to a debit card or cash we don't it!! There are to heaps things that go on your credit report to hold it trashed!! Is there anywhere you can directory online and get it done express? Thanks in finance!! :)

Can I put in my employer's info to my credit report?
I want my employer's info to be listed on my credit report to increase my probability for a loan, how would I get it on here?

Can I retract okay for credit checks by Dish Network?
I signed up with Dish Network around 3 weeks ago on a 18 month contract. I got a communiqué from them this week indicating that they have denied my request for programming upgrade because of adverse information contained by my credit report from TranUnion.It turned out that there be no adverse information in my credit report. Dish Network rep I talk to said that they haven't denied anything and the letter may hold been generate by a "computer glitch".I want to prevent such glitches in the adjectives (I paid $10 this time to acquire immediate online access to my credit report). There is a clause surrounded by the dish network contract which permit them to run credit checks as they please. Is there some means of access I can retract that permission?

Can I still be sued for an auto repo after 5 years?
I bought a new coupé in 2002. Within that year I unexpectedly have a baby and be unable to work because of child nurture issues. My husband was still within school, so nearby was no course to make the saloon payment, so we returned the saloon (voluntary repo). Well, I never heard another word from the nouns company, so I figured nearby was no residual on it. Fast forward five years...I am doing my annual credit report, and find my repo conveniently placed on my transunion report. It say it was placed on it contained by 2002, but for some reason, be never spotted by any other creditors (I was competent to purchase another car -with a low apr, and enjoy been approved for other credit cards). Anyways immediately I find this on my report and am left wondering, can I still be sued for the residual ($8000) after 5 years. I never recieved a perceive or a phone call. There be never a judgement placed against me either. Should I merely wait and hope this falls sour my report in 2 more years?

Can I stop collection agencies from getting my credit report?
I had credit card more than 10 years ago It charged past its sell-by date by creditor, Show on my credit report for seven years, now it is out of my folder, but still I get credit inquiry by collection agency, Show Inquiry by Collection Agency, I disputed these inquiry. But they put more inquiry contained by my credit file beside their name as collection agency.How can I stop them from putting inquiry surrounded by my credit report every year? And can it be remove?

Can I sue concerning a false and glum credit hit person placed on my credit report?
Here's the story. Last week i recieved a letter from a collection agency dictum I owe money on a wireless bill that was closed 4 1/2 years ago. low and behold I step to my files and find the day the bill be paid using bill settle up! My bank is presently sending me the statement and i will send it contained by. The problem, I have a credit rack up above 720 from all three reporting agencies. It is windex spotless, or be...Now this crap is on there. Yes I can dispute the claim but it will still show up as disputed. I want to clutch both the credit agency and the wireless company to small claims court. It's the principal of the matter seeing how they never surrounded by the 4 1/2 years sent me any correspondence and then post me to the credit agencies. Do I own a case concerning devastate to my credit scores?

Can i sue for false credit reporting.?
I have worked tangible hard surrounded by keeping my credit clean. i belong to a credit monitoring service, i hold 1 company who keeps putting a unpaid bill on my credit report, i enjoy disputed this 3 times over the past year and adjectives three buraeu, have deamed this debt not to be mine. This company is putting it on my credit report by identify and not by Social Security # i Pulled my report up this month and it is back can i sue the company for faulse reporting.

Can items that own be contained by my credit report since2004 be re enter as if it be reopend this year 2007?
I have a repo- from 2004 which have not been remunerated and its on my credit report, however it is now shown as unseal as of this year 2007.

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