Archive for March, 2011
Why would my credit report look good on Equifax and not Experian?
Perry Althea asked: My credit reports looks good for one agency. I have a loan in really good standing that is being reported by Equifax on my credit report but when I look at the other, it has no history of the loan. Should this loan be reported to all three of the agencies?? Or [...]
Closing a credit card account that is inactive? How much will it affect my credit report?
jenahfah asked: I’ve had this account for about two years, and I haven’t used it in a long time, and I’m thinking of closing it but I don’t know how it would affect my credit report. This is a secure credit card, with only a $300 limit. I have two other credit cards that I [...]
How do you dispute something on your credit report?
operaphantom2003 asked: There are a few items which have been reaged by a collections agency and they cannot do that. The SOL has passed and they should be removed from my credit report. Also, when you view your credit report where is the “date of last activity”? All I see is the open date and [...]
How does an never used credit card report on the credit report?
Perry Althea asked: If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?Dave
What credit report service is the best value?
atomzer0 asked: I want a service that I can view my credit report and credit score for all major credit bureaus 3 or 4 times a year and make disputes quickly and easily as needed. I don’t want to pay an arm and a leg. I shouldn’t have to buy my own personal information in [...]
How can a private lender add payment history to credit report?
Cars & Computers asked: Is there a service that will provide private lenders with payment history reporting on debtors’ credit reports? I have a mortgage from a private lender (not a relative, a private institution). The mortgage does not show up on my credit report at all, which makes my credit score lower than it [...]
How long does a lien stay on your credit report after being paid?
islandgirl God and family asked: I had a lien on my credit report, and I paid it about three months ago. It was still on my report, so I reported it to the credit beaura. They investigated it and said it will be reported as satsified/released. However I thought it would be taken off my [...]
How do you know the item on your credit report is from which credit burea?
0808 asked: I got a credit report from a lender (the lender type of credit report), it lists 3 credit scores. There is a same tax lien listed twice, one has account number , the other doesn’t has an account number. Which credit bureau should I contact for this issue? How do you know which [...]
Which credit reporting agency is best for the credit report?
Digz asked: I know that i can get my free credit report once a year, but there are like 3 reporting agencies to chose from. Which of those agencies is most accurate, and gives out the most info? I want one, to show all the negatives thing i might have in order for me to [...]
How long does the negative information stay in your credit report after it has been paid?
love2shop asked: I have a negative account on my credit report that is affecting me in a negative way. This was reported way back in 2001 and I paid the account in full in 2002 but the bank continued to report that it was unpaid till I recently disputed with them. They finally changed it [...]