Tim Bock asked: Many times people are unaware of exactly what’s in their credit report, let along if there’s a collection account in there. There are usually 1 or 2 reasons why a collection account may exist.- The account went to collections – Mistaken identityFortunately it’s not the end of the world. There are steps [...]
Hector Milla asked: The credit report bureaus under the direction of the Fair Credit Reporting Act or FCRA have made it possible for you to access your free reports online, by phone, or through the mail every 12 months. You can request your free report at any time of the year. The bureaus as required [...]
Rachel Altman asked: A bankruptcy can have a devastating effect on your credit score. A bankruptcy listing on your credit reports to many lenders is the only thing they need to see to determine you are completely unworthy of credit.Many people will tell you that it is impossible to remove a bankruptcy from your credit [...]
Tamara Rasheed asked: First, let’s begin with some simple rules to help you dispute your negative and erroneous credit report information.1) You should dispute everything negative on your credit reports. Everything negative on your credit reports should have the chance to be deleted.2) The older your negative account is, the easier it is for it [...]
Marc Sumner asked: There are a number of ways in which you can have a collections agency reporting to your credit report. Most of the time it’s due to past due bills that were either overlooked or just never paid. You should know there are ways that you can try to fight this to attempt [...]
Jen asked: I just disputed 5 things on my credit report to all 3 credit bureaus at the same time. Regarding, incorrect credit balances and payment status. how long will this take to get straightened out? I did it online.Walter