All Entries in the "Personal Finance" Category
How to contact the companies on my credit report to pay them off?
sbjchristy asked: I’m trying to pay off my debt on my own, without getting help from a company. But I don’t know how to contact the companies I owe on my credit report. There’s only the name of the company and a part of my account number. There’s no contact number listed for them.Sanford Geister [...]
How will an initial fraud alert on my credit report affect my chances of getting a job?
Thomas P. asked: I want to initiate a fraud alert on my credit report because I believe I am at risk of identity theft, however I am reluctant to do so because I am currently looking for a job. If a potential employer does a credit history check on me, will this fraud alert on [...]
Is paying off defaulted loans that aren’t on my credit report going to help my credit score?
Cris H asked: I owe $9,000 in student loans. They just started garnishing my wages for $500/month. The loans were from 1998 and do not appear on my credit report. The collection company told me that once they’re paid off that they will appear as not in default on my credit.Craig Armon Share and Enjoy:
Is there any way to get a secured credit card without a credit report being pulled?
Bill T asked: I don’t understand why if you give a bank money up front, and that’s your limit on the card, why they have to pull a credit report? Is there any way around? The reason I don’t want a report pulled is I’m trying to raise the score, but it’s already been affected [...]
How long do late credit card payments impact your credit report?
Dan R asked: I checked my wife’s credit report and she has 3 accounts with late payments from several years ago prior to us being married. One was past due 60 days, one was past due 30 days a few times, and one was past due 120 days. How long will her credit rating be [...]
How long until my credit score goes up after correcting errors on my credit report?
ILuvNico&Sully asked: My husband had 49 errors corrected on his Experian Credit report today. Only one is be investigated because it is a judgment. These were all errors due to 3 other people being lumped into my husband’s credit report. It was corrected easily over the phone, but I forgot to ask how long until [...]
How long can a bank keep a delinquency on a credit report?
Bob M asked: Back in 1997, I ran into some financial trouble and took out a loan for the balance on a mobile home I once owned. I defaulted on the loan that year, but it is still on my credit report. I wrote letters to the bank and to the credit reporting agencies, and [...]
How can a collection keep being updated on my credit report?
Mike Z asked: I was watching my credit report earlier this year and I noticed something on two collections. They have opened dates of 4/10/2002 and 7/31/2003, but they keep reporting it every single month. How do they do that? Does it cost them money to do that? And will the reports still fall off [...]
How does bad credit come off your credit report once you have passed the 7 year deadline?
sam m asked: Some delinquent reports on my credit report are due to fall off this year. Will they come off my report automatically or is there something that I should do once the fall off date has passed?Margeret Caspersen Share and Enjoy:
How can a collection keep being updated on my credit report?
Cris P asked: I was watching my credit report earlier this year and I noticed something on two collections. They have opened dates of 4/10/2002 and 7/31/2003, but they keep reporting it every single month. How do they do that? Does it cost them money to do that? And will the reports still fall off [...]