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If you paid off a credit card 4 years ago and it is still on your credit report they need proof that you paid it but you closed that checking account when you moved can you still obtain its history?
Wiki User
∙ 12y ago
There are two things you should do. First, dispute the information with the credit reporting agency (you may have to dispute it with all three -- Experiean, TransUnion and Equifax -- if it appears on all three reports). This compells them legally to conduct an investigation and prove the information they show is correct.
However, it's been said that those investigations are mostly for show, so you need to contact the institution through which you had the credit card and ask for a letter stating the account is paid off and closed. You can then submit a copy of that letter to the credit agencies. After that, they must legally amend the information, pursuant to the Fair Credit Reporting Act.
Be sure to keep the orignal letter from the credit card company, as the bad information may show up again and you may have to resubmit the proof of payment to the credit agencies.
Wiki User
∙ 12y ago
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What is the use of checking my credit history?
Checking your credit history allows you to make credit reports and check credit scores which are crucial for getting loans. It is also important to check that your account is not being used wrongfully.
How can you have your former husband's name removed from a line of credit that is linked to your personal checking account so he is not responsible for liablilty or credit reference?
A joint account holder cannot be removed from the account, the account will have to be closed.
What is the difference between a checking account and credit card account?
checking from bank fund & credit card prepaid by credit
Where can I Open A Checking Account without a credit check?
You can open a checking account with badcreditnic.com. The do no check your credit.
Can you reopen a credit card that you closed?
Yes, you can request your issuing credit card company or bank to reopen your credit card that you closed. I did that with one of my credit cards. However, make sure that you had a good record on that particular closed account and that you check if all the balances have been paid before you closed the account in order not to ruin your credit history.
Can a person open a checking account if their account was closed at a different bank?
Yes, a person can open a checking account at a different bank even if their previous account was closed at another bank. However, the new bank may consider the individual's previous banking history and could potentially take that into account when deciding whether to approve the account opening request.
How does a credit card account differ from a checking account?
A credit card account comes with a credit card, which can be used to authorize purchases of any value. The checking account does not come with a credit card and is used for issuing checks.
What is a checking account at a credit union called?
what is a chekcing account at a credit union
Can you obtain a credit card if you're checking account is negative?
Your credit history is what is important. If you are overdrawn or have been over drawn many times and the bank is charging you penalties it will hurt your chances of getting a credit card. If you have a credit line that protects your checking account like I do you just start drawing on that and it won't hurt your credit report.
Why does credit information remain on your credit report even though the account has been closed for years?
It's all part of your credit history..the good the bad and the ugly. I longer history is generally good.
Reasons to Check Your Credit History Report?
Since banks rely so heavily on a borrower�s credit score, it is important that you check your credit history report on at least a semi-annual basis. � When checking your credit history report there are several thing that you should look out for.� One of the most important is to ensure that all of the accounts opened are legitimate.� While it is possible that an account could have been added to your report erroneously, there is a chance that the account could be a sign that someone stole your identity.� Because of this you should call the creditor immediately to have the account closed.�
How do you get a checking account with bad credit?
Credit scores have nothing to do with checking accounts. Unless you've had major overdraft issues with a previous checking account you will have no problems opening a new one.
