Credit Report FAQ
In Dec 2003 my husband's ex wife opened a credit card next to Capital One in his cross while he was stationed within Korea, she had the mail address listed as a PO Box within her hometown. He did not find out anything about this credit card until we be trying to purchase a house and it was on his credit report. She charged in the order of $150 on the card between the time it was open and Feb 2004, and now we are told he have to pay $1000.00 surrounded by order to carry it off his credit report. Are nearby any legal avenues we can filch because we knew nought of this card? We cannot afford to pay, as we should not because it be fraudulent, but we really need to get hold of his credit score better so we can qualify for a home loan. We have informed the credit card company, and the waste to do anything and want payment surrounded by full. Anybody have any answers?
"Minor offenses" and credit reports?
Not paying a credit card bill on time (but still paying inside a week or so for instance) or other similar "minor offenses", such as spending more than my allowed limit on my credit card, moderate our credit score although no log are written to that effect in the report. I be just wondering how long it take for suchs events to be removed from a credit report (ie.: when the points lost for paying a CC bill a few days late will be "returned") ?
A cast-offs debt collector is trying to procure money from me. He cannot impart any information more or less the vindication?
A old credit card be picked up by a junk credit card collector. He cannot supply any information towards the side. They went ou to procure a Lawyer to try to collect. What can the Lawyer do without any information. The Junk debt collector holdsany information. What type of information should the Lawyer supply to me to net a case of this. The debt be written off or closed on credit report by both the creditcard and the Junk Debt collector. What can the Lawyer do when luggage is presented to Judge
A charge lien be placed against me, I proved the debt be not valid and very soon the debt is programmed as "settled" on
my credit report. If it was never valid, how can it be settled? How can I achieve this off my credit report? The State in truth owed me money and sent me a refund. I hold been going rear and forth with the taxation department, however they are useless.
A credit agency is on my credit report, but I enjoy never received a bill.?
This bill was from 2003 and I own never recieved a bill from the credit agency or the place of service. What should I do? I did not save my rewarded slip, and now the place of service is recitation me I owe them money.
A creditor agreed to remove a delayed recompense from my credit report, but in a minute they're cliché they wont?
I've been trying to catch Honda Finance to remove a late salary from my credit report. It was moderately my fault and somewhat theirs, because I made the payment prompt but due to a problem with their system they didn't adopt my online payment. I kept going over people's head and someone higher up finally agreed to remove it from my credit report, because I own been next to them almost 5 years and have never made a slow payment. He said it would be removed inwardly 72 hours, which would be by this Wednesday. Today I got a memo in the messages saying the past due payment WOULD NOT be removed. Is in attendance anything I can do to make them steal it off, since they said they would? I know I necessitate to call but they are closed for the year, so I'm just wondering what I can right to be heard in baggage I have to argue near them when I call. Thanks!!
A examine roughly credit cards and credit report?
i have 4 credit cards and individual one has a symmetry on it. are the other 3 that has no set off & are paid past its sell-by date hurting my credit? Im planning on using them again eventually.
A week ago I get my credit report from Experian UK...?
My rating on the report was 854 out 1000 I am on the electrol roll enjoy no defaults or CCJs. I applied for a credit card and today I received the note saying I be refused because of my credit ranking. I contacted the company and all they said be that I could appeal if feel they be wrong to refuse me. I own one other credit card which is always remunerated for on time respectively month and two other small credit (catalogues) which I always remunerated on time too.Can anybody distribute my any advice and what can I do to add to my credit rating?Thanks
About 6 years ago I ruined my credit,will this ever donate my credit report?
Adding positive results to a credit report?
I have several loans reported to TransUnion but not Experian or Equifax. How can I bring these reported to Experian or Equifax. I contacted the bank and be told TransUnion should report to the other two. Is this true? If not how can I personally carry the info added. If needed, I'm willing to reimburse a small fee. Although, I'm guessing I can do it for free. Isn't this considered undue reporting practices?
After 11 years a long-gone debt collector is trying to collect, the two debts I owe are 1,400 dallors, the aim?
why they were'nt paid be the michcon read the meter wrong and blamed it on me, and the other was at&t because I accidentally made long distance connections threw earthlink, and I get a bill for 1,200 and at&t said I owed that much for one month, the thing is how to I rectify this, I don't have a feeling either one of these are right to money, but now it is on my credit report..any suggestions
After 7 years the distrustful items on my credit report are gone?
When my 7 years came around, three unenthusiastic items have be removed from my credit report. The debtors are still trying to contact me for payment. What are my rights? Should I still settle up?
After 7 years, is a bill charged sour and what is the best bearing to clear my credit report?
I have harassing bill collectors trying to collect on 2 accounts (credit cards). One is 10 years old-fashioned. The other is 15 years old and already salaried yet showing on my credit report as unpaid!