All Entries in the "Credit" Category
Why Is It Important To Check Your Annual Credit Report
Your reasons to check your credit report every year are plentiful. Not to mention the fact that it is completely free! The FCRA and the FACT act have made it mandatory for the 3 national credit bureaus to provide you with free copy once in 12 months. More about that later. First business, why you [...]
Free Annual Credit Report
My Credit Expert Shows How Your Government Mandated Free Annual Credit Report Can Save You Money The Fair and Accurate Credit Transactions Act of 2003 provides people in the United States the right to one free annual credit report from each of the three credit bureaus. Many customers want to know, “How do I order [...]
How do I get someone off my credit report?
Cooper912 asked: I recently ran my credit report, and was shocked to see that my mother (who shares the same name) and father have a bunch of their credit cards on my report. I have never had a am ex card, or chase card ever and they are on there with my parents names attached. [...]
I have disputed several items on my Experian credit report and got them deleted. Now will the other 2?
Sherry H asked: I disputed several items on my Experian credit report and got some of them deleted. Now will the other 2 credit reporting agencies use that same info or do I need to start a new dispute with each of them?Jamison Badeau
What happens if something hits my credit report before I close on my home?
BJ asked: I am buying a house with my financee. My credit is poor and hers is pretty good. We are set to close at the end of July, and I just found out that my mother opened a cable account in my name and that she let it go delinquent a few months back. [...]
What can I do to obtain a better credit score on my credit report?
TannyBrown asked: I’m only working part-time and going to school full-time. It looks like its going to be like this for the next 3 years or so. I need any advice/suggestions on how I can clean up my credit report.Dave Edington
Can a scavenger bill collector report to the credit bureaus?
Dustin Roberts asked: I have a credit card debt that went into collections 7 years ago. It was a $500 credit card that reached $1600 after fees and interest. It has been turned over to a scavenger bill collector and they now want $2700. I am in TX and the SOL is 4 years. Can [...]
How long does it take for changes to appear on your credit report after filing a dispute letter?
QNA asked: I found some erroneous entries in my credit report. I mailed a letter last Friday. How soon should I expect the errors to be corrected? Will I receive a letter from the credit bureau? A phone call? Or will the change just appear on the report?Nichole Giannitti
If you have a charge off on your credit report, can it be sold and time start over?
ms texas asked: I have a charge off on my credit report, and it is about to be 7 years. The company recently sold this account. Does the 7 years start over?Edgardo Ludden
How can I get a collection agency to agree to take a item off my credit report?
jade_blu_eyes asked: I am trying to get my credit in better shape so that I can buy a house. I made deals with a couple of collection agencies. I told them I would pay in full if they would agree to take the items off of my report. They did. However, there is a collection [...]