Credit Report Questions & Answers

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Credit report.press?
I had this credit card that be never activated because I put the wrong phone number on the application. The credit card be put on my credit report that it is a closed account even though the card be never good and never open out. I don't want my future creditors to contemplate I opened up an information and than closed it right away. Can I dispute this with the credit card company or should I make tracks it alone?

Credit report/ cancel credit cards?
After cancelling a credit card...how long does it stay on your credit report. Will it only just state that the account be closed in biddable standing? How long will someone be able to detail that i even had a credit card beside that company. Thanks

Credit report?
Are the major credit reporting agencies required to pass you a credit report for free every year by law?

Credit Report?
I have a bunch of distrustful items on my credit report, they are from when I was going through my divorce and it be eat or reimburse bills. If I pay these balance off will they be removed from my credit report or will they remain and lately show paid?If they remain should I lately leave them on my report and how long will they remain? Please facilitate

Credit Report?
I have some Dr. bills on my credit report the Dr. department says it be because the insurance denied the claim and I need to clear them. I called the insurance company and they told me they did clear them and gave me the date they were rewarded but the drs. office will not transport them off my credit report and are giving me such a hassle nearly this. I dont know what to do can anyone help me is this insurance fraud and can I sue them if they dont remove them?

Credit report?
I heard that we can seize a free credit report every year. Is it true? If so, how can we get it ? Thanks

credit report?
i recentley received my credit report but, some of the things that are on there i'm not sure something like.. how do I find out what these items are?? also how do I go nearly paying them off, nearby is no addresses or phone numbers to these companies?? appreciation!!

Credit report?
If i had an credit card for company's aover 7 years ago, and they adjectives went to collectoions how long do they stay on my credit report?

Credit report?
ok, hello again.. so i tried getting my free credit report but..this is the thing i have gotten one from all 3 agency and they merely allow u to do it once a year..so i'm not entittle to to another free credit report..does any1 know of another site that will give u a free credit reort totally free..?

Credit report?
why on my 3in1 credit report i have 3 different credit score. they average to 635 but they are so different. does anyone know what that means. how will that effect me bying or leasing a truck. thankfulness for your help.

Credit Reporting Agencies!?
ok. i was divorced and go thru bankruptcy 16 yrs. ago. to this year every address, financial transaction, etc. mrs. x starts goes on my credit report. she is remarried near a different name. not lone that, but EVERY person who have lived at an address she occupied that does any financial credit transaction, shows up on my credit report. don't the credit reporting agencies hold an obligation to verify the identity of the folks involved since they have SO much influence? why can't they be held adjectives for the information they disseminate? why is the burden of proof on me to clear up any misunderstanding? has anyone successfully sued a credit reporting agency for erroneous reports?

Credit reports?
i have already done the annual free credit report, and i inevitability another one now. i dont enjoy a credit card to purchase a report. anyone know any sites out there that can be used??

Credit Reports?
I need to achieve an 800 number for Experian and the other credit bureaus because they have adjectives the incorrect information on my credit report. Please advise.

Credit reports?
i recently view my credit report from exquifax and i noticed that the alien car i brought is not reported in attendance. it is reported at experian, but not equifax. I got surrounded by contact with my loan company and they said that they with the sole purpose report to experian, is there anything i can do to achieve my account reported to exquifax?

Credit Reports?
Now that i have my credit report how do I travel about contacting feeble accounts and getting them resloved or paid sour.Any Suggestions would be helpfull

credit request for information?
I just not long paid adjectives of my husbands debts off that be on his credit report. The only tale open presently his our car giving which is in excellent shape. All that be paid we surrounded by collection. How long will it take to up his credit ranking?

Credit Score Issue - Creditor take responsibility but won't correct issue?
I recently pulled my free credit report and FICO chalk up. I have have impeccable credit for 10 years, with a recent chalk up of over 750 when I bought a home two years ago. In December, a creditor called to influence I was 60 days bygone due on an account I have opened surrounded by August to buy a television. I moved to Atlanta surrounded by August, opened the justification with my unknown address, but they sent bills to an old address that did not enjoy mail forwarding. I hold no idea why they be sent there. I cleared up the justification, the creditor placed everything back contained by good standing - even admit fault within my account resume. Unfortunately, they reported it as 60 days past due and hold told me they can't change the reporting to the credit bureaus (they referenced that they can't move it in the message I received because of the Fair Credit Reporting Act). It is pulling my score WAY down. How can I fix this problem? They acknowledge they were wrong just about where they sent the bill, but they won't verbs it from my report. HELP!

Credit Score Question?
I have disputed my credit report and have many/most negative items removed. I own many accounts within good standing, onlly a couple of collection items, but they're over 2 years old-fashioned. I mean, I've have like 10 things delete from my credit I have 21 accounts 'in well-mannered standing' and only resembling 4 delinquent accounts (over 4 years old). Why isn't my score going up at adjectives? What am I doing wrong?? I have remunerated all of my bills prompt for the past 2 1/2 years all the same still my credit will not raise.

Credit score/starting over?
If you have two small delinquint items on your credit report that can be taken carefulness of easliy, will your credit resume as good credit without beating about the bush after its cleared?If not, how long does it take to restore moral credit after paying the delinquint debts?

Credit score: Why does everything own to be so clandestine?
THis question be inspired by another poster's question give or take a few credit, and I guess its really aimed at people working surrounded by the lending institutions or those who know a bit bit about it. I really want to know why firms will not explain to you why you have be refused credit for something. i hold often be told that my credit score is too low for enduring storecards but the providers will never tell me why. Instead they refer me to Experian or whoever, but even when I refer to the credit report, I dont really know exactly why it is low. I own no CCJs, have never be bankrupt, I am on the electoral roll. I enjoy a credit card which I alsways pay rotten in full, put aside for a couple of occassions when I accidentally paid overdue. I DO understand that previous residents at my address may affect my chalk up, blah blah, but what I really want to know is why cant stores/lenders give SPECIFIC reason for their refusal rather than me have to guess?

Credit Scores equal beside different companies?
I checked my credit report and score within June 2005 with Equifax and freshly now (January 2007) next to TransUnion. While websites explicitly state that credit reports may differ among these companies, I can't find anything on the credit scores. Are those similar? For example, suppose I rate a 650 with TransUnion simply now; would it be around that same number if I checked next to Equifax or Experian?

Credit Scores?
I just get a copy of my credit report, and I am curious as to what these different values mean. My Beacon mark was 652. My FICO classic is 718. My Isaac Model mark is +668. Are these good? What's the different types of score mean? Thanks contained by advance!

Credit Union getting different credit gain?
I am looking to get a coup¨¦ loan from my credit union. The strange entity was that the credit alliance got highly developed scores than when I pulled my own credit report from both Equifax and Experian. I pulled my report the sunshine after the credit union did. Was wondering if the credit association uses a different type of "score" when pulling for a car loan.Thanks contained by advance.LC