Consumers don't report their own credit history to credit reporting agencies - Lenders do. However, you can file a consumer alert with each of the agencies that will put your statement on file.
You must be a subscriber with the credit bureaus to report information on a consumer.
There are many web-sites that will provide you with a copy of your own credit report if you ask for it ! You don't need to wait for someone to run your details through a credit agency - you can get your own report any time you want to.
No the collection will not be removed from the credit report. They will show it paid in full.
The three credit report agencies are important because they provide report on your credit and if you encounter fraud, they are the agency that you should report to in order to prevent further damage on your credit card.
The original creditor either sells the debt to a collection agency or the collection agency may aquire the debt on a contingency basis. At any rate once the account is in collections 30 days from the date of turn over the collection agency has the right to report the account to the credit bureau. Accounts are sent to the credit bureau via internet with encrypted files.
If you are not a company that reports unpaid debts to the credit bureau's, you can turn the debt over to a collection agency who does report. The other way is to obtain a judgment against them and it will automatically be reported by the courts.
There are many web-sites that will provide you with a copy of your own credit report if you ask for it ! You don't need to wait for someone to run your details through a credit agency - you can get your own report any time you want to.
No
Unless you have given a collection agency written permission to pull a full credit report they are in violation of credit laws.
A collection agency can report you to the credit bureau for any amount of money. There are agencies that will report for amounts under a hundred dollars.
If you have been turned down for credit recently you are entitled by law to get a free credit report from the credit reporting agency that supplied the information. Call or write the agency to make your request.
A collection agency can't access a credit report w/o the permission of the party involved. They may try to mislead someone into believing they are able to do so, and that is a violation of the FDCPA and should be reported as such.
a credit bureau
EXPERIAN
No the collection will not be removed from the credit report. They will show it paid in full.
Call the Credit report agency that pulled your credit from the Bureau's and ask them to look at the back of the credit report where it says inquiries.
The three credit report agencies are important because they provide report on your credit and if you encounter fraud, they are the agency that you should report to in order to prevent further damage on your credit card.
Each credit reporting agency has their own form to request a credit report which you can find on their website. Each person is entitled to at least 1 free credit report per year per agency with some states allowing more. The Federal Trade Commission offers free forms to request a credit report.