Misrepresenting any form of information in a credit report is incorrect and a crime too. Irrespective of who is misrepresenting the information, doing so is wrong.
When you pull your credit report you will notice at the very last pages of this report your creditor informaiton. This includes the name if the creditor, address, and phone number.
Yes. There are no laws stating that any creditor has to report to any more than one credit bureau (and the creditor is allowed to choose which one to report to).
Only the original creditor or the credit bureaus can remove a charge off from a credit report. You can negotiate to have them removed with the original creditor if they will let you. You can also dispute it to the credit bureaus and they will have 30 days to verify the listing or it must be removed from your credit report.
HC on a credit report means High Credit. This is the highest amount of money a creditor has issued to you in the past.
You must pay all of your legitimate debts. A creditor is not required to report a debt to a credit bureau in order to collect the debt you owe.
Yes, they can report you for any amount they are owed.
Generally speaking, at some point the creditor is not going to spend the money to keep a deragatory on your credit report. In the case of Bankruptcy it stays on you credit report for 10 yeas. In the case of foreclosure it stays on your credit report for 7 years.
No, it's the same account and the new creditor is simply taking over the same rights as the original creditor.
A creditor can report a car as repo and not correct it unless you call them. If it not their responsibility to make sure your credit report is right, it is yours. If you contact them, they must fix it.
== == Call that creditor and request for them to report your information with all three bureaus. Be aware that not all creditors will do this, but it does not hurt to try.
Creditors update credit reports on their schedule, some update every month, others update every other or every third month. If you are in a hurry, contact the credit bureaus and have them contact the creditor themselves. You can sue a creditor, but you have to try contacting the creditor first (via mail), then file a complaint with the FTC, then contact the credit bureaus. If the account still hasn't been updated, you can go ahead and sue the creditor.
No only he can pull his credit report but him or a creditor with a permissible purpose, if you do and use his info it is considered fraud.
Sumbit a dispute based on inaccurate information and let the credit report agency find them for you.
A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.
Yes, a creditor can remove a charge off from your account and your credit reports. Credit bureaus can also delete charge offs from your credit report if they are disputed and not verified.
This depends only if the creditor originally reported your account to your credit report.
ANSWER That is correct. If the creditor is not reporting to the major bureaus there is no report... good or bad.
Is it for the same account or do you have another account with them?
Sounds like defaulted abbreviated by reporting creditor.
Need to contact the creditor to find out why they are not posting to the Credit agencies.
An outstanding judgment is a court order that gives a creditor the legal right to collect from a debtor. As court judgments are a matter of public record, a creditor can report the judgment on the debtor's credit reports. An example of a judgment placed on a credit report would be a judgment for eviction. This judgment will remain on the credit report for seven years from the filing date.
The credit bureaus and the original creditor that filed the judgment are the only ones that can remove it. You can contact the original creditor and try to negotiate removal of the judgment upon payment. You can also dispute the judgment to the credit bureaus and they have 30 days to verify the judgment or it must be removed from your credit report.
That should be done by the creditor upon the request of the debtor.
When you creditor updated your trade line