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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.

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โˆ™ 2011-10-13 11:30:51
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Q: Can a creditor misrepresent themselves on the credit report?
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How do you find out who you owe on your credit report to improve your credit score?

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.

Can you be a creditor and only report on one company?

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).

How do you remove charged off from your report?

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.

What does HC mean on a 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.

What if a creditor is not on your credit report but trying to collect a debt?

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.

Can a creditor report you to the credit bureau for 150?

Yes, they can report you for any amount they are owed.

May a creditor report the debt to a credit rating agency after the debt is time-barred?

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.

If your debt with a judgment against you has been sold can the judgment still be on your credit report from the original creditor effecting your credit report twice?

No, it's the same account and the new creditor is simply taking over the same rights as the original creditor.

Can you ask your creditor to report new balances to the credit bureau?


Can creditor report car as repo 2yrs after BK discharged if reaffirmation was not entered in court although timely payments made for 2yrs after BK and creditor shows zero balance on credit report?

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.

What is the procedure for a creditor to be listed on a credit report?

== == 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.

Can you sue a creditor for not updateing my credit report after a payment was received?

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.

My husband is incarcerated. can you pull his credit report?

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.

What should you do if a creditor listed on your credit report is no longer at the location shown on the report?

Sumbit a dispute based on inaccurate information and let the credit report agency find them for you.

When is a charge off removed?

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.

Can a creditor remove a charge off?

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.

Does an account put with a collection agency always show up on your credit report?

This depends only if the creditor originally reported your account to your credit report.

If a US creditor is not reporting a credit card to the three major credit bureaus because of a foreign address will delinquency in payment also stay off of one's credit report?

ANSWER That is correct. If the creditor is not reporting to the major bureaus there is no report... good or bad.

Why is the same creditor on my credit report twice?

Is it for the same account or do you have another account with them?

Dfd on credit report?

Sounds like defaulted abbreviated by reporting creditor.

What if something is missing from your credit report that could raise your credit score?

Need to contact the creditor to find out why they are not posting to the Credit agencies.

What is an outstanding judgment on a credit report?

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.

How can you remove judgments from your credit report?

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.

Can you report a settlement to the credit bureaus?

That should be done by the creditor upon the request of the debtor.

When will a 30 day late show on a credit report?

When you creditor updated your trade line