Credit Reports – and how to improve your Credit Rating
chesspl asked: I have a combination of Open, Closed, Revolving, consolidated and unconsolidated student loans, and a couple credit cards I have never used. I have averaged these in many different ways but have not yet arrived at the “Average Account Age” that is reported in the Equifax credit report. For those who haven’t purchased [...]
Continue Reading How is the “Average Account Age” in the Equifax credit report calculated?
Tags: Couple Credit, Credit History, Equifax Report
marcell noyes asked: I just tried by logging on to the free credit report link. How can I still get my free credit report? I want to see my free credit report.Unsecured Loans
Continue Reading How do you get your free credit report you are entitled to?
Tags: Free Credit Report, Logging
Pleas Alexys 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?Fixed Rate Home Equity Loans
Continue Reading How does bad credit come off your credit report once you have passed the 7 year deadline?
G P asked: I work for a small service company and I am attempting to help my boss collect on some overdue accounts. I have filed liens. I think the next step is to threaten to report overdue accounts to the credit agencies. But, if that doesn’t get a response we may want to follow [...]
Continue Reading How do you file a credit report when a customer refuses to pay his bill?
Tags: Boss, Credit Report, Small Claims Court
Alli asked: My fiance and I got in a little disagreement a little while ago about how long collections stay on a credit report. He says that after 7 years they will be removed from a persons credit report – whether they are paid or not. I disagree with that. Why would collection agencies just [...]
Continue Reading How long does a collection stay on a persons credit report?
Jennifer K asked: If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about much else?Fixed Rate Home Equity Loans
Continue Reading What matters more your credit score or the contents of your credit report?
Tags: Collection Accounts, Credit Report, Lenders
Thomas asked: I was recently turned down for credit due to supposedly too many credit inquiries. After checking my report I found 7 in the last 3 months. I do not believe they are all mine. How do I have them removed or if I cannot how long will they adversely affect my credit?Fixed Rate [...]
Continue Reading My credit report show inquiries I did not initiate. How do I get them off my report?
Tags: Credit Inquiries, Credit Report
cmw99us 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 this [...]
Continue Reading How long can a bank keep a delinquency on a credit report?
Tags: Credit Letters, Credit Reporting Agencies, Mobile Home
Jason asked: Does all the bad credit listed on your report just get wiped out? Is there a bankruptcy listed on it? I heard you can get credit very easily after filing bankruptcy as you cannot file bankruptcy for 7 years. Is that true? I heard its easy to rebuild your credit after.Consolidating Debts
Continue Reading What happens to your credit report after filling bankruptcy?
Jynjyr E asked: My X-Husband and I got a divorce, with it papers that stated as a contract that he would be taking two debts he incurred while we were married but these debts still show up on my credit report. Is there any way to stop these debts from being reflected on my credit [...]
Continue Reading How do I remedy a Credit Report debt supposed to have been assigned to my X Husband?
Tags: Credit Report, Divorce, Remedy
