The Credit Report http://www.the-credit-report.net Credit Reports - and how to improve your Credit Rating Mon, 27 Dec 2010 13:48:14 +0000 en hourly 1 http://wordpress.org/?v=3.0.3 How is the “Average Account Age” in the Equifax credit report calculated? http://www.the-credit-report.net/credit/how-is-the-average-account-age-in-the-equifax-credit-report-calculated/ http://www.the-credit-report.net/credit/how-is-the-average-account-age-in-the-equifax-credit-report-calculated/#comments Mon, 27 Dec 2010 13:48:14 +0000 Robert http://www.the-credit-report.net/credit/how-is-the-average-account-age-in-the-equifax-credit-report-calculated/
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 their report, an “average account age” is given, and the longer it is, the better for one’s credit score. Hopefully someone who has a simpler credit history can shed some light on how it is calculated. Thanks!

Mortgage Finder
]]> http://www.the-credit-report.net/credit/how-is-the-average-account-age-in-the-equifax-credit-report-calculated/feed/ 4 How do you get your free credit report you are entitled to? http://www.the-credit-report.net/anthropology/how-do-you-get-your-free-credit-report-you-are-entitled-to/ http://www.the-credit-report.net/anthropology/how-do-you-get-your-free-credit-report-you-are-entitled-to/#comments Mon, 27 Dec 2010 06:05:11 +0000 Robert http://www.the-credit-report.net/anthropology/how-do-you-get-your-free-credit-report-you-are-entitled-to/
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
]]> http://www.the-credit-report.net/anthropology/how-do-you-get-your-free-credit-report-you-are-entitled-to/feed/ 4 How does bad credit come off your credit report once you have passed the 7 year deadline? http://www.the-credit-report.net/other-family-relationships/how-does-bad-credit-come-off-your-credit-report-once-you-have-passed-the-7-year-deadline-2/ http://www.the-credit-report.net/other-family-relationships/how-does-bad-credit-come-off-your-credit-report-once-you-have-passed-the-7-year-deadline-2/#comments Mon, 27 Dec 2010 05:38:48 +0000 Robert http://www.the-credit-report.net/other-family-relationships/how-does-bad-credit-come-off-your-credit-report-once-you-have-passed-the-7-year-deadline-2/
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
]]> http://www.the-credit-report.net/other-family-relationships/how-does-bad-credit-come-off-your-credit-report-once-you-have-passed-the-7-year-deadline-2/feed/ 2 How do you file a credit report when a customer refuses to pay his bill? http://www.the-credit-report.net/credit/how-do-you-file-a-credit-report-when-a-customer-refuses-to-pay-his-bill/ http://www.the-credit-report.net/credit/how-do-you-file-a-credit-report-when-a-customer-refuses-to-pay-his-bill/#comments Sun, 26 Dec 2010 22:51:00 +0000 Robert http://www.the-credit-report.net/credit/how-do-you-file-a-credit-report-when-a-customer-refuses-to-pay-his-bill/
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 thru with a negative report. I believe the next step is probably small claims court.

Fixed Rate Home Equity Loans
]]> http://www.the-credit-report.net/credit/how-do-you-file-a-credit-report-when-a-customer-refuses-to-pay-his-bill/feed/ 2 How long does a collection stay on a persons credit report? http://www.the-credit-report.net/credit/how-long-does-a-collection-stay-on-a-persons-credit-report/ http://www.the-credit-report.net/credit/how-long-does-a-collection-stay-on-a-persons-credit-report/#comments Sun, 26 Dec 2010 16:30:48 +0000 Robert http://www.the-credit-report.net/credit/how-long-does-a-collection-stay-on-a-persons-credit-report/
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 “give up” trying to collect money from a person and take it off a persons credit report. It doesn’t make sense to me. If collection agencies just stopped trying to collect from a person after 7 years wouldn’t a lot of people not pay their bills because it will just go away after 7 years?

Can someone clarify this for me? Thanks!

Credit Report

]]> http://www.the-credit-report.net/credit/how-long-does-a-collection-stay-on-a-persons-credit-report/feed/ 6 What matters more your credit score or the contents of your credit report? http://www.the-credit-report.net/credit/what-matters-more-your-credit-score-or-the-contents-of-your-credit-report/ http://www.the-credit-report.net/credit/what-matters-more-your-credit-score-or-the-contents-of-your-credit-report/#comments Sat, 25 Dec 2010 22:02:39 +0000 Robert http://www.the-credit-report.net/credit/what-matters-more-your-credit-score-or-the-contents-of-your-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
]]> http://www.the-credit-report.net/credit/what-matters-more-your-credit-score-or-the-contents-of-your-credit-report/feed/ 4 My credit report show inquiries I did not initiate. How do I get them off my report? http://www.the-credit-report.net/credit/my-credit-report-show-inquiries-i-did-not-initiate-how-do-i-get-them-off-my-report/ http://www.the-credit-report.net/credit/my-credit-report-show-inquiries-i-did-not-initiate-how-do-i-get-them-off-my-report/#comments Sat, 25 Dec 2010 18:26:58 +0000 Robert http://www.the-credit-report.net/credit/my-credit-report-show-inquiries-i-did-not-initiate-how-do-i-get-them-off-my-report/
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 Home Equity Loans
]]> http://www.the-credit-report.net/credit/my-credit-report-show-inquiries-i-did-not-initiate-how-do-i-get-them-off-my-report/feed/ 5 How long can a bank keep a delinquency on a credit report? http://www.the-credit-report.net/law-ethics/how-long-can-a-bank-keep-a-delinquency-on-a-credit-report/ http://www.the-credit-report.net/law-ethics/how-long-can-a-bank-keep-a-delinquency-on-a-credit-report/#comments Fri, 24 Dec 2010 10:58:41 +0000 Robert http://www.the-credit-report.net/law-ethics/how-long-can-a-bank-keep-a-delinquency-on-a-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 is still on my credit report. This is the only bad credit/delinquency I’ve ever had. I would appreciate any suggestions.

Free Checking Account
]]> http://www.the-credit-report.net/law-ethics/how-long-can-a-bank-keep-a-delinquency-on-a-credit-report/feed/ 2 What happens to your credit report after filling bankruptcy? http://www.the-credit-report.net/credit/what-happens-to-your-credit-report-after-filling-bankruptcy/ http://www.the-credit-report.net/credit/what-happens-to-your-credit-report-after-filling-bankruptcy/#comments Fri, 24 Dec 2010 00:57:22 +0000 Robert http://www.the-credit-report.net/credit/what-happens-to-your-credit-report-after-filling-bankruptcy/
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
]]> http://www.the-credit-report.net/credit/what-happens-to-your-credit-report-after-filling-bankruptcy/feed/ 2 How do I remedy a Credit Report debt supposed to have been assigned to my X Husband? http://www.the-credit-report.net/credit/how-do-i-remedy-a-credit-report-debt-supposed-to-have-been-assigned-to-my-x-husband/ http://www.the-credit-report.net/credit/how-do-i-remedy-a-credit-report-debt-supposed-to-have-been-assigned-to-my-x-husband/#comments Thu, 23 Dec 2010 22:08:53 +0000 Robert http://www.the-credit-report.net/credit/how-do-i-remedy-a-credit-report-debt-supposed-to-have-been-assigned-to-my-x-husband/
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 as it was agreed via the divorce they were his responcibility?

Any help at all is appreciated.

Mortgage Finder

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