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Individuals may not submit changes to a credit bureau, however, any business entity (INCLUDING sole proprietorships, which may only be one person) that is a member of the credit bureau may report tradeline information.
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Can an individual that is not a bank change someone's credit report?
No. Individuals generally do not have the ability to submit tradeline information to a credit bureau. However, ANY corporate entity (including sole proprietors) may become a member of a credit bureau and submit credit information.
What exactly is a 3 bureau credit report?
A 3 bureau credit report, refers to a credit report that contains all the credit scores of an individual, from the leading three credit bureau companies.
Where can one view my credit report?
Someone can view their own credit report from a number of credit scoring agencies, such as equifax, transunion, and annual credit report, and experian.
How do you add something to someone's credit report?
You don't. Credit information, bureaus and contributing member/clients are tightly regulated by the federal Fair Credit Reporting Act. There must be a legitimate BUSINESS reason to report, or access, an individuals' credit report. If an individual owes you a debt, you do have the option of filing suit. If you are awarded a judgment, this public record will eventually find its' way onto the defendants credit report.
What is the purpose of a free credit report?
The purpose of a free credit report is that the individual can get a report of their credit records. This way they can know what there standing is in terms of credit, and see if they have good credit or bad credit without paying any fees or services.
What can one get from credit report services?
A credit report helps the Fair Credit Reporting Act to include information on where an individual lives, where he lives or if he has been sued. A credit report service can give the person a free credit report to fill in the information and send it.
Where can a person get a credit report?
There are many websites that an individual can get a credit report. The three online companies that offer them for free are Equifax, Experian and TransUnion. Everyone is able to get one free credit report.
Can I report credit card fraud if I know someone who has someone elses credit card?
Yes I believe you can report credit card fraud if you know someone who has someone elses credit card, if let's say one of your friends or family member got there credit card stolen and you also know the person who stole the credit card you can report a credit card fraud or you can just let your friend or family member report fraud on there credit card, I hope this helps :).
Can an HOA report a judgment on an individual persons' credit report?
Yes, if the association won the judgement.
If you file bankruptcy will it also erase a vehicle repossession on another person's credit report?
It doesn't erase anything on your own credit report....just adds to it, why would it change someone elses? It adds that you are a bankrupt as well as having missed payments and had a repossession. A credit report simply reports what happened in the past....what ever you do now does not change it...you live with the history you created.
How can someone monitor their credit report?
One can monitor their own credit report online. Websites like Equifax, Experian, and Transunion offer a free credit report once a year for users to help monitor their credit report.
If you have good credit history with some credit cards will they still show that on your credit report and that you paid on time after filing chapter 7?
It depend on the individual credit card companies if they report on your credit history or not, like some department store credit cards may not show on a credit report
