Credit report Q&A

Credit Card Charge Off?
I contacted 2 of my creditors that listed my 2 charge cards as chargeoffs on my credit report and I requested that since they have been compensated in full, could they be delete from my report. I was told by them that they could not because they be reported as charged off, I can't believe that. Can anyone share me if this is true?

Credit card issue?
I recently recieved a credit card amendment stating that my inconstant apr's will be increasing from 8.25% points to 27.99% (is this the interest?)due to something they saw on my credit report which they're not specifing? However I have the right not to adopt this amendment by writing to them, but wouldn't common sense communicate them that I don't want to pay more? Anyways I'm merely asking for advice because Idk if this is some form of hidden entry where I'm better bad leaving things as they are. I don't want to submit something I'm not sure of...

Credit card request for information?
I was basically wondering if it's bad for your credit report if you don't use your credit card?

Credit card/credit report press?
Could someone please help me? How habitually do credit card companies report info to the credit bureaus? I just payed stale my credit card debt but my credit report shows that I have not. Any one enjoy any idea? Thanks

Credit consolidation and credit report?
I just lately finished paying off my cc's threw a consolidation, how can I start to promote my credit score. The concluding time I checked my score it be around 630. I am planning a buying a new home and want to know if I can verbs it up to get a high score. Is nearby anything I can do?

Credit counseling lates on credit report?
I never made a late transfer of funds while in credit counseling and it is adjectives reported late.I be never late in the past I entered any. Is this legal and is nearby any way to enjoy it removed?

Credit dispute message...Do I hold to distribute a message near a copy of my credit report for respectively item to dispute?
I'm currently disputing a few negativie items on my credit report. My question is this: Do i enjoy to send one message for "each" negative item dispute along beside a copy of my credit report, even if I disputing the items with like credit bureau? Because if that is the casing, I would have to print alot since credit reports contains several pages. Or, can I in recent times simply "list" all the cynical items that I'm disputing, in one missive with one copy of my credit report (with highlighted dispute items)?

Credit Dispute notification sample?
I need to dispute a few gloomy accounts on my credit report. Some accounts are duplicated and others, Id like to dispute and see what happen. Right now, I'm thinking to stir with one of those credit restore companys because I don't trust my writing to get hold of the message across.Id like to see if general public can summit websites with dispute parcels. I'm looking for a few that are firm and to the point where they wont be disregarded.Thanks contained by advance.

Credit entry 7 years dated, but is in a minute showing on credit report?
I have a unenthusiastic entry which is 7 years old (2000). The creditor arranged after 7 years to report this account. If I be not to pay this justification, would I now own to wait another 7 years for this to come rotten, or does the last date of leisure actually determine the length?

Credit Help Ten Points to Best Answer?
I am new to this full credit thing. So I own a couple of questions.1. I hold a about 13 or 14 inquires on my credit report because I have to apply for school loans and credit cards. I be able to capture 3 small loans and two credit cards. How will this effect my score?2. I remunerated my credit cards balances within full for nearly 5 months, but one month i could only reward the minimum payment will this hurt my ranking?3. My credit scores are 689, 698, 715 is this obedient or bad?4. I own a couple months left until subsequent school year, and i will enjoy to apply for more loans, (pharmacy student) will i have better luck immediately that i have some credit history?5. I know this is greatly but i would really appreciate the help. And I would appreciate any tips on credit, credit score, and getting the best score possible. Note: I hold been markedly responsible with my credit cards except one month when i could merely make the minimum. So please no lectures on the evils of credit cards

Credit Help! So confused! Please read completly.?
I have a 570 credit chalk up but I havent been postponed with a bill within 3 years! I own a paid past its sell-by date 140k house I rent out, a 04 jeep wrangler paid and a 02 GSXR but cant attain even get a home equity chain of credit due to my score! Ive remunerated my rent of 600 for over a year early every month. Same near my power, water, cable, and more. Have a checking and hoard acct with balance between 400-2k consitently. I even got one of those really bleak credit cards that charge about 300 bucks only just for starting them and only hold a 300 $ credit limit and clear it off completly every month and my mark hasnt changed! I reported all inaccuracy on my credit report and went hindmost to the cards I got when I be 18-20 and paid them even though they werent trying to collect but it didnt do any angelic. The only guidance the credit unions will make available me is to pay rotten everything I owe and lower my balances but suprise! I dont owe anything so thats useless guidance! HELP! My lease is expiring on my apt and I want another house

Credit Help!?
Ok i think the stupidest entity happened. Target sent a note to my mom saying that she be denied more credit to TARGET! out of places..and to check her credit to see if there be an error or why they denied her the extra credit on her card...If she was to pay packet off adjectives her debts and things that were written of on her credit report..would those debts be in motion away on her credit report..and would negotiating next to the companys she owes money wise... fix her credit..she tell me of how she could buy a car near a credit card..but now her credit is adjectives screwed up because of stupid stores like macys and burdines..and what is the absolute possible credit score..gratefulness..i am looking foward to ur answers!

Credit history quiz: I own some debts on my credit report which total smaller quantity than 10k?
due to unpaid debts my credit score is extremely low now, if I rate off adjectives my debts together, does my credit score imroves immidiately ? how much it imroves and how long it take time ? for some of debts its mentioning: "Estimated date that this item will be removed: 2012 " so even if I pay it rotten; will it be in effect till 2012; Elaborated and complete answer to these question, would be greatly appreciated ? Also if you have any suggestion or donate about the best channel for handling it

Credit In My Name at 12 Needs To Be Cleared-Help!?
An account near bellsouth was open in my baptize when I was 12 years outdated. I am 19 and found out about it when I checked my credit report for the first time at 18 years antiquated after I started college because i kept getting turned down for student cards.I contacted the collection agency (CBCS) and bellsouth, neither helped me integer anything out. I put in a dispute online, but that still leaves the rationalization open and my mark is now a 525 and the justification has be delinquent for almost 7 years now (transferred to collections surrounded by 2001).Does anyone know how I can clear this without have to pay the bill?

Credit info delete rotten ur credit folder b/c of dispute, could the collections firm still sue?
If you dispute something on your credit report and the collections agency cant verify that the account be yours or they dont respond in 30 days, it get deleted stale your credit report. When this happens, could the collections agency still sue you within court even though it has be deleted rotten of your credit file?

Credit law contained by Texas?
what is the official 7 years from on your credit report? 180 days from deliquency, or when they charged it stale? Basically, I have a couple accts. from 2001 that haven't be paid since after, but they just charged them rotten a few months ago!! Do I have to continue 7 years from 2006? or what please help...

Credit mark dispute request for information?
I heard within was a path to dispute things on your credit report. First, tell me if I enjoy grounds to do so. And if so, how do I do it.I have a sear card that had a be a foil for that I knew the exact ammount by calling and asking. I transfered this to a different card surrounded by full. But apparently there be finance charges which hadn't be added yet, and they added them after, surrounded by the ammount of around $10. I then get reported as 30days late, and credit chalk up dropped by almost 90 points on the 830 scale. I am feeling like to pay this, and I in reality worked at sears and remember this stirring to a customer, and one of our managers call some credit number and had it taken rotten the guys credit report.

Credit mark?
how can i make excellent credit chalk up higher? For some plea my credit score dropped 12 points within the last year. I hold no late payments and nil balances on adjectives my credit history except 2, those balances arent dignified. Now i know looking at your credit report takes points away from your ranking. What can i do to make my chalk up higher and promptly?

Credit prob ?
My credit card balances be lowering and didnt know why? I got my credit report from experian. The article is I have a twin sis near a similar name example- aziz and aziza. I call they said we will send a clean report ! Is this experians fault ? My amex credit go down from 2,000 to 800 a month? Can amex change it spinal column? What can I do ..Thanks for the help !

Credit Question . .?
Is it true that after 7 yrs collections get removed from your credit report, and what are the exceptions if near is any?

Credit rack up for student loan give somebody the third degree.?
Ok.. i have other got my own loans from SallieMae because i've never have a co-signer and my credit is good. Well i applied for my end loan for my last semester of university and i was denied unless i have a co signer. I have no clue why so i call and they said to check my credit report. My report was adjectives positive except 4 medical bills that have be there the integral time. If i were to payment these bills of do you think it be help my win so i can get my ending loan? I'm just worried i won't know how to graduate. The last loan i get was within Jan so maybe time have something to do with it and i should keep on to apply again. How long will it take for the medical bills to be removed if i pay cheque them? I'm really worried.

Credit rack up?
I have only just paid bad all my credit cards ( roughly speaking $3,000) .They all enjoy zero balance now.Also I remunerated off something that I have monthly payments on , which I paid bad early the set off was $1,200 .How much can I expect my credit chalk up to go up beside these changes? Also when i pulled my credit report here was a exotic collection on there , that a moment ago came on nearby 10 days ago . But is for a really old bill that I didnt know I have , the collection is $26 .Should I dispute it as I was never informed of the debt , so i was not given the opportunity to wage before it go to collections. If I dispute it how much points can I expect to lose on my credit score?

Credit rating-can one black easy target really hurt you?
I have reliable credit except for a default of 1200.00 on a common account which i co-signed for a few years ago. at the time he be my fiance and he totalled his car and the insurance covered everything but 1200 bucks. i never received a communication about this debt-i discovered it when i pulled my own credit report. not long i have be harrassed by a credit agency that is threatening that i'll never be capable of finance anything if i don't wages this money. quite honestly i probably own the cash but the thought of paying for any more penny of my deadbeat ex's debt (i paid bad 2000 that was charged on collective credit cards)makes me sick. i think i'd almost prefer discouraging credit as long as i can still get student loans. does anyone know roughly student loans and credit? also, when does the 7 years start? from the time of the first missed payment? from the time something is 'charged off'? or the time something is referred to collections?

credit relieve?
i went to the hospital surrounded by 2001. I paid the hospital bill. i looked at my credit report and saw a hospital charge. i call the collection agency and they explained to me that i paid the hospital bill but not the doctor's services. they said they sent me a missive in 2001 and call me several times. they also stated i called them surrounded by 2004 and told them i would pay them. around that time is when i compensated the hospital. they said it's been on my credit report since 2002 but removed it and added it fund on in 10/2006. it be never on my credit reprt. i want to pay them but how do i go and get it off my report because i have no clue that i did not pay them.

Credit Report - how to update information? find out what things are?
ok so i just saw my credit report.. and at hand a few things on there that i don't know what thay are. approaching. $24 for this and $97 for that. I'd love to pay them past its sell-by date, if i knew what they heck within were for. and it doesn't give a hand that they are from a few years ago.. how do i go around finding out what stuff is?also.. my credit is pretty low. and being that i don't enjoy any large debts, i reflect that this may slightly be becuase my information is wrong. It lists me as person at a job i have a few years ago where i made in the region of 25% of what i do now. how do i fix this?THANKS!

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