Credit Report

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?

Tags: Bad Credit, Credit Report, Delinquent Reports

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

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

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

margarete lind 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?Unsecured Loans

Continue Reading What matters more the credit score or the contents of your credit report?

Tags: Credit Report, Credit Score, Lenders

Sean 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 [...]

Continue Reading How long do late credit card payments impact your credit report?

Tags: Credit Card Payments, Credit Rating, Credit Report

Emily S asked: My boyfriend has been trying to clear his credit. He has written to all of the companies on his credit report that he owes money to, in hopes of negotiating settlements. One company will not respond to him. He has written them twice since August, certified mail. He has gotten both receipts [...]

Continue Reading How to remove bad credit from your report?

Tags: Bad Credit, Credit Report, Receipts

Perry Althea asked: If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?Credit Report

Continue Reading How does an never used credit card report on the credit report?

Tags: Credit Card Report, Credit Report

Virginia asked: I have a credit score in the mid 600s, but have been denied credit because of too many auto credit inquiries. How long will they stay on my credit report? Thanks!Mortgage Finder

Continue Reading How bad do inquiries look on your credit report and how long will it stay?

Tags: Bad Credit, Credit Report, Report Thanks