Yes, as long as you have the documentation proving the error.
Yes, they can. But, usually it can be removed by the credit bureau once its proven to be a duplicate entry of the same debt.
Repairing your credit involves sending dispute letters to the credit bureaus asking for verification on your negative listings. The credit bureaus have 30 days to contact the original creditor and get verification. If they don't, the listing will be removed. They will send you an updated credit report showing what has been removed and what has been verified and then you did it all over again.
No! By Federal Law all judgements must be removed from your credit report 7 years from the filin date.
Yes, you can. If you are attempting to get a loan, possibly, the company you are working with can do this for you with the credit servicer they use. If not, then you can order your credit report and then turn around and dispute it with the credit bureau stating duplicate entry and they have 30 days in which to verify this and then remove it from your credit report.
If it has been 19 years and something is still showing on a credit report, you can request to have it removed. Contact the three credit reporting bureaus and ask all of them to remove it for you.
Credit scores are calculated based on ALL the information showing in your credit report at the time they are requested. Without further input, your question is impossible to answer.
Yes. You have to check your state's statute of limitations. The time of the state's SOL for collecting on debts and the federal SOL on credit reports may be two totally different time limits.
Someone can watch their score at the Federal Credit Union by visiting the Federal Credit Union website and ordering a copy of their latest credit score. In addition, the Federal Credit Union website has a contact us page where individuals can call the Federal Credit Union to discuss their credit score.
If the error is showing on all 3 then yes, you have to dispute to each individual credit bureau. If it is only showing on 2, then you just dispute the 2 it is showing on.
A debit is an entry showing money you have payed out. A credit is an entry showing money you have received.
In the case of a collection account, it is always in your best interest to have the tradeline completely removed from your credit report as opposed to having it show paid. If the account is NOT a collection or P&L, then the opposite may be true. Let's say you have a credit card with 6 late payments being reported to your credit history. You negotiate with your creditor to have all the late payments removed from the tradeline, showing that it has been paid as agreed, never late. This would be better then to have the entire tradeline removed, as the now clean payment history will help to raise your FICO score. Having it removed will not have as positive an effect. You will lose all the credit history associated with the tradeline, as well as (if it is a revolving account), available credit. Not having sufficient credit history can be just as detrimental as having bad credit. Hope this helps!
Stanford Federal Credit Union was created in 1959.