credit report comparison

by Smithsonian Institution

Credit report Q&A

Can one denial item show up twice on your credit report?
I am trying to fix some of the stupid things I have done contained by my life. One of the things is that I enjoy a ring I bought for my ex wife that went unpaid, and eventually charged bad. Knowing that I need to fix this, I am interested within trying to pay this debt sour. The company that I financed this ring with go bankrupt, and I presume my rationalization was assumed by another company.Anyway, when I pulled my credit report, it shows I own 2 separate negative items…one next to the original company, and again near the company that assumed it. Is this right? Can I be “doulbe whammied” for one debt?My second question is how do I turn about getting one of them removed from my credit report? Do I stipulation to dispute this with the credit bureaus?

Can the apposite credit defeated the doomed to failure?
I am 22 and have four or five collections on my credit report that are very soon ALL ”nonrecreational in full” status. I didn’t know nearly the debts until I looked at my credit report for the first time last year and compensated them as soon as possible. If you were to append all of my credit score from transunion, experian, and equifax, the sum would be less than 1700. I’ve merely just recently start to qualify for relatively low credit rein in cards that I wasn’t able to qualify for solely 6 months ago. Despite the negativity of the collection accounts and a credit card deliquency of 60 days (out of 3 years), using 3 low-limit credit cards wisely and keeping a worthy balance to restrain ratio, would good practices verbs to increase my credit score more and more or would they be hurt a ton by the salaried collections for the next 7 years?

Can the creditor or collection agency remove a collection information from my credit report? How to converted?
I graduate and begin a new apprized. I went to India for 6 months.While i be away, I recieved a hospital bill. When I returned, I discovered it had be sent to collections. I called the hospital and salaried the charged. I moved across the country (east to west freewheeled). I called the collection agency verify that it have been imperfect as paid. I very soon have one collection rationalization on my ascribed report marked as compensated. I have be turned mastered for certain benefits because of this recent collection explanation being on my credit described. I tried file a dispute online w/ equifax (the CRA reporting the collection account). Because of my recent changes within address, the online/call methods neglect to verify me, so i cannot charge my credit report. Now I am supposed to mail within several pieces of POA to validate my current address.Before i do this, is it possible for the creditor or the collection agency to remove the account from my copy? If so, i’d care to try it b/c at smallest i can talk to someone.

Can they do this?
my husband had an outstanding go together with verizon who sold it to pinnacle credit services. they never contacted us in the region of it being sold, and the outstanding stability shows up negatively on his credit report. they have also almost doubled the be a foil for on this. tin they add adjectives of the extra money on there even though we never know about them owning the picture?

Can they hang on to key an item as “Key Derogatory” on my credit report?
I had a small loan that be included in my ruin (chapter 7) back contained by 2004. Well, I checked my credit report, and the creditor has made sure to report this loan,every month, adjectives the way from 2005 to May of 2007, next to a “KD” (“key derrogatory”) record!Are they allowed to do this? Why can they just not settle that it’s on my destroy, and leave it alone!? Does it use up my credit score (which I own try to keep positively PERFECT since my bankruptcy) if they keep key it like this, vs them NOT?Can I dispute this and trademark them delete all the “KD”‘s on my report, seeing as it’s something from 3 yrs ago, already?

Can you relished inquires removed from your credit report?
I was wondering if you can thrown inquires removed from your credit accounted. I recieved a copy of mine and my husband’s credit report and there enjoy been 75 inquires within the last 360 days. I know that too lots affect your credit score.

Can you gain a mortgage close a really really low credit gain?
My co-worker and I were chitchat and she desire to buy a house but she say her credit score is similar to 502, as low as it can go right! But she have a well commission (now) and is running to clean up her credit report. There’s a condo she request to buy but she’s afraid she’ll get laugh out of the loan department with her unpromising credit. Is it possible for her to get approved?

Can you hold debts within collection if they assume’t appear on your credit reports??
I have a company attempt to collect a debt of approximately K from when I be in college a few years ago and they voice that they are collecting on behalf of the college. I have be looking through my Equifax and Experian credit reports and neither one shows any sieve of mention of this debt or the name of the company assay to collect the debt. I enjoy gotten notices from this company and they appear legit ( http://www.windhampros.com/), but it seem weird to me that at hand is no mention of this debt on the 2 reports. Now to the questions … if it is not on these reports, it shouldn’t affect me if I apply for other credit or alter my credit win, right? I may need to bring a car loan soon as mine is on the channel out unfortunately. Also, how can I check out the legitimacy of this debt if it’s not on my credit report? ? Any info would be greatly apprecated!

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Can you officially catch out of a loan that u r the co-signer on?
i co-signed with a cousin but immediately it’s maintaining me from puchasing a house b/c it shows on my credit report so can i get disclosed of it surrounded by MS?

Can you possessed matching bill reported 4 dfferent times on your impute describe?
I mortgage Check N Go from last year.On my impute reoprt it say:Asset Acceptance9 CheckNGoAAC 9 CheckNGoNCA 9 CheckNGoDRS Bonded 9 CheckNGoThis is all impossible to tell apart bill, can they do this? And one of them set under “Date Opened” 02/2007 so it looks near to this just happen when it happend a year agone. Is that legal?

Can you pay cheque someone to accrue your assigned win?
I saw an add where on hide you can pay a company to remove cynical things off your credit report to increase your credit rack up. Is this just a scam or is it the unadulterated thing?

Can you clutched rid of settled charge offs on your credit report?
What astir if you salaried the whole amount owed?

Can your credit gain be superior by decreasing credit margins and will this effect adjectives credit edges?
I actively use 7 different cards because of the various rewards so, I do not call for the richly attributed cut back associated with them. I just this minute pulled my credit accounted and it far-famed that the high un-used credit manicuring backward was pulling downwards my rack up. I would think that I could moderate my limits on the cards, but, I dont want to lead to future credit boundaries to be impacted by this.

Capital One and Credit Reporting?
I have have a Capital One card for nearly 2 months now. For some sense the tease doesn’t show up on my credit account. Does anyone know how long it takes companies to report a brand new account to the credit bureau?

Car Loan Question!?
If I am the primary person on the vehicle loan and my dad is the cosigner on it whos credit describe does it show up on?? I heard that the primary entity only get 30% of it and the cosigner gets approaching 70% of it whether is is full credit or desperate and I think its wrong?? The foundation I neeed to know is because other than this motor lent i have doomed to failure ascribe and i need to know if have the loan in my autograph with adjectives payments made on time and the motor being honour forth will help out my credit??

Charge bad from 1995, shouldn’t that drop rotten my credit report by presently?
I was 18, dumb and have a CC, enough said. I don’t own enough to wage a settlement amount allow alone payments. Please don’t narrate me what I already know some my choices. Just would approaching the answer, thank

Charge past its sell-by date debt and State Statute of Limitations?
I have 2 debts on my credit report that are both charge offs. Both are credit card debts over the amount of 1000 dollars. I made discouraging decisions when i be younger and i am trying to get them any payed, by getting the debtor to agree to a paid within full status on my credit report or explore the option of the state statute of limitations. The statute of limitations contained by texas is 4 years… so does this mean they can no longer collect on this debt? If i claim the SOL does

by Powerhouse Museum Collection

Credit report FAQ

Collection agencies?
I have some medical bills from this year that I salaried off. in a minute out of no where their motto I owe 300 dollars, so I fax them the proof that I paid and they still won’t do anyhting. I call the medical place to see if I missed a payment and they said no. So my cross-examine is if the collection agencies they that its on my credit report as bad can they do this?P.S I basically looked at my credit report and there is no medical bills on nearby.

Collection Agency calling…?
If a collection agency is calling but nothing appears on your credit report from the agency almost a debt…What can/should you do?!?

Collection agency HELP?
If I get sent to a collection agency does that automatically tight-fisted it goes on my credit report. I get a letter from a collection company and I call the same time and paid it. They said it wouldn’t step on my credit report just as long as I took fastidiousness of it. Are they ieing. Can they lie nearly that??

Collection Agency nuisance?
I live in Tennessee (USA), be evicted from an apartment complex in 2002, be clearing up my credit report in 2006, and settled the debt next to the agency listed on my report. I next got a consolidated report information bank this debt with another agency and be told that the judgement would only be flecked as paid if the woo get a letter from the unproved collector that the order be filed beside. I contacted them and paid a drop by to show my proof of payment. They told me what I rewarded for had zilch to do with what they be charging for. And of course, they didn’t level look at my rewarded in full memo. The blackguarded told me they charged me for the month’s rent that I was evicted, the subsequent month, and the attorney’s fees. The more recent agency, they told, charged for renovating the apartment. They said I had ten days from later, yesterday (1.8.07), to call them support with arrangements, or they would reinstate the debt. On the most recent agencies paperwork, at hand IS a line item for a/r resident. Advice?

Collection agency on credit report, settle up it or not?
Basically, my husband went to the ER up contained by NY about 3 years for a workers comp luck – he needed stitches in his finger. Anyway, of late figured everything be taken care of through his employer – apparantly not. Jump forward to today – we are living within FL for the past 2 years – husband only just ran credit report and see this collection account in relation to the hospital bill. Long story short, husbands previous employer is no longer in business. I to some extent just clear it, but someone told my husband, even if you pay it, it will still show up on your credit report as a collection – so it doesn’t manufacture a difference if it’s paid or not. Is this true? We are clueless going on for these things. I tried to do some research on the computer, but was bearing too much info for me to understand.Thanks for your lend a hand. I should also add that this is the solitary negative article on husbands credit report – not sure if that matters.

Collection agency posted adverse sitting duck on my credit report that’s not mine?
I asked them for proof (copy of credit application) they said they don’t have and adjectives they can give me is a signed statement from the dune that it was open in my name(but the wall could of made a mistake). I never received any correspondence from the credit card company or the collection agency and this account have never showed up on my credit report until now. I found out in the region of it in November 2006 when my credit win dropped because of this. I contacted Equifax(all they did was contact collection agency that enter the inaccurate data) and the the collection agency. Agency said the ending pmt made was 9/2001 I asked where on earth was statements man mailed explanation they never came to me. They utter I have to rate, but this is not mine. I have excellent credit near low interest, this is going to make my interest rate rear to over 24%. What can I do? Shouldn’t they have to hand over me proof. Do they have to steal this off my credit report until this is settled? Help!Thank you.

Collection Agency Reporting the entry after salaried…?
Two weeks ago, i checked my Experian credit report and saw that a medical bill from 2001 for .00 was surrounded by collections. I went on and salaried that off finishing week. I have signed up for “each day alert” of my credit score from EQUIFAX. This entry be never on my EQUIFAX report till yesterday. My score go down by 33 points because of this entry. Can the collection agency report an entry to the credit bureaus AFTER they receive the check ? The status on this account that be reported on my report yesterday is UNPAID…They received the check last week though… What should i do? I want to draw from this removed from my credit report.

Collection Agency?
I have a short time ago recently found out that my credit evaluation has dropped almost a 100 points due to a collection agency putting me contained by collections. This is the first time that i’ve even heard from this agency and it be through viewing my credit report. I’ve never recieved and notifications that any money be due. It said that it is 1. Im currently in Iraq, so my option are limited. Is in that anyway of taking things off your credit report?

Collection Company didn’t verify w/i 30 days, months subsequent on credit report again!?

]]> I had a debt from a collection company for AT&T for roughly as a negative on my credit report. I have sent them a validation letter months and months ago (I contemplate from June-Aug 06). They never responded and they took off the refusal mark on my credit reports. Just a couple of days ago I received a packet within the mail from the collection company axiom that the debt has be validated. The packet included an exceptionally long statement of each give the name I made and my last statment amount. Didn’t rather say that I never compensated it or that I did. Just the last statement.I checked one of my credit reports and they put it on as a cynical remark! I thought that if they didn’t validate it surrounded by 30 days they can reinvestigate for another 15. This has be MONTHS later. I had done some research and I can’t seem to find proper information on how to concord with it. I don’t comparatively understand the FCRA whole…sometimes for a while hard to become conscious. Your help is greatly appreciated.

Collections have it wrong?
Ok, so my wife and I have be getting calls from a collection agency in relation to a hospital visit from a year ago. There have been a mix-up beside paperwork on the insurance company’s end (hadn’t have me listed as “spouce”) and the bill hadn’t be paid. We contacted the insurance and have it corrected. They paid the bill (we hold the check number and date it cleared) but this collections agency maintaining calling and say the bill’s static outstanding even after we’ve sent them a copy of the notice from the insurance company. So here’s my put somebody through the mill: What’s our next recourse? We’ve done everything we’re supposed to do. We’ve contacted the right folks and we’re quieting getting hosed. And how do we get this removed from our credit report?

Collections on my credit report!?
I know that Collections on your credit report lowers your score. I hear that if they are leftover unpaid, it doesnt do anything and you canleave them unpaid for however various years til they disappear off your report. Is that true? Or is it better for your ranking to pay them? Help!

Collections warn please!?
I have an issue w/ a collections agency. First when I travel to my credit report the agency has lone a po box and no phone #. Once I found them on my credit report (a few years after it posted) I filed a dispute. Nothing. I file several more and then finally someone from the agency call. They told me there be nothing I could do I have to take it up w/ the doc. I call for the doc and explain like I explained to the collection agency. I have 2 ins companies and he only billed one. He said the doc’s bureau he contracted with just provided him the info for the one ins. I said I could call them and procure my file which showed the 2 ins plans. He told me that since he could not bill them I immediately owed the debt. I was upset but anything. We were chitchat about payments and I asked if I discharge him is he going to take precision of the collections and now adjectives the fees w/ them. He said no that is my contract. I said they referred me to you to handle this. He said that be now my treaty. What actions should I rob now?

collections?
I recieved a bill from a collection agency , demanding payment for a bill from 1997. i am sure that this probaly go on and came stale of my credit report.DO I HAVE TO PAY THIS COLLECTION.

combining credit reports?
I have really good credit, but my bf have VERY bad credit, beside outstanding delinquencies from like 5 years ago. what happen when we get