Credit Reports

Can the credit reporting agencies tell you who all your creditors are?


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2015-07-15 18:30:11
2015-07-15 18:30:11

Absolutly - they must by law do so. All you need to do is request a copy of your credit report from the three major credit bureaus, and contact information will be provided for each creditor.

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Some are, some aren't. It depends on the timeshare company. If you just call yours up, they will tell you which of the reporting agencies they report to, if any.

It is always a good policy to attempt this. But whether or not you succeed in getting a paid collection account removed from your credit report is totally within the discretion of the creditor. There is no law that requires or compels credit reporting. The Fair Credit Reporting Act states that IF an account is reported, then it must be correct. Therefore, collection agencies and creditors usually will tell a consumer that they "must" by law report the accurate nature of the account, which would be a paid collection, as opposed to removing the account.

Tell the creditor in a firm voice "DO NOT CALL THIS NUMBER AGAIN". It is a violation of the Fair Credit Reporting Act for them to continue to call you. They can be cited for it. Ask to speak to a supervisor.

The judgment remains as a court record. The credit reporting agencies should report that it has been discharged in bankruptcy. If the bankruptcy remains on your credit report for more than 10 years, you can tell them to remove it.

Credit reports generally tell creditors about your current and past credit history. They include things like the amounts of credit extended, the highest balance that you held, current balances, how long the accounts have been active, if and when you were late on a payment,how late the payment was, etc. They can then use this information to determine the risks associated with lending you money.

The SOL goes by the last time you made a payment or when they reported you delinquent. If your card qualifies then contact the credit reporting agencies and tell them to remove it.

When you obtain a copy of your credit report, look on the back of it where instructions tell you how to submit a dispute. When you mail it back to them, they will investigate it and send you a written response. If you don't know how to get a copy of your credit report, apply for credit somewhere and when they turn you down you can mail that letter to the credit reporting agencies and they will send you a free copy of your report by mail.

Yes, they are bound by law to disclose why they turned you down. Most of the time they will tell you that is was based on information from your credit report. They will also tell you which credit reporting agency they used. You are entitled to a free copy of your credit report for 30 days. If you find errors on your report, dispute them with the creditor and the credit reporting agency. For free sample letters and templates you can use for this purpose, check out

Make sure that you stay below 30% of the credit limit if you want to have a decent credit score. There is a scoring module that Credit Reporting Agencies go by that we as the consumers don't know about. I will tell from experience that your score could decrease anywhere from 10 - 20 points from each bureau that your account is being reported with.

If you are denied credit, the Equal Credit Opportunity Act requires that the creditor give you a notice that tells you the specific reason your application was rejected or the fact that you have the right to learn the reason if you ask within 60 days. If your credit application was due to information obtained from your credit report, the Fair Cedit Reporting Act requires the creditor to give you the name, address and phone number of the credit reporting agency that supplied the information. The credit reporting agency can tell you what is in your report but only the creditor can tell you why your applicaton was denied.

The big three credit reporting agenies should be contacted. These are experian, transunion, and equifax. Tell each agency in writing what is inaccurate and include backup, if possible, to support your position. This one is very easy and fixable. Contact the three large reporting agencies and ask for the form to file an inquiry. After you have submitted the inquiry they have thirty days to answer or it has to be deleted from your file. However make sure this is a legitimate claim and not a frivolous one as they will flag your file and make it harder for yo when you do have a legitimate claim

A creditor can turn you over to collections and report you to the credit reporting agencies. Depending on what type of credit card you are talking about, the creditor can also demand return of items purchased on the card (such as an appliance store account). If you are getting harassing phone calls at home or work (yes, they are allowed to call you at work), you can send them a written letter stating that you no longer want them to call you at home or work (sent via registered mail with return receipt). The creditor would then be allowed to call you one more time to verify receipt of your letter. Creditors are also not allowed to call you before 7am or after 9pm. Due to privacy isses, creditors are not allowed to tell your employer or others not listed on the credit account why they are calling.

Repairing your credit is time consuming and will not happen overnight. It requires sticking to a budget as well as working out a payment plan to pay back your creditors. Beware of scams that tell you for a price they can clean up your credit for you.

Report it to the police. If they don't believe you, repeat everything that was printed on your birth certificate.Then, tell the police the thief to the best of your abilities. You will need a copy of the police report to dispute charges with the credit reporting agencies.

Even though credit reporting agencies work hard to keep your credit file up to date, it's still possible for errors to show up in your file. This includes incorrect, incomplete or outdated information. If you discover such errors in your credit report, you have the right - and responsibility - to correct them right away, since inaccuracies could hurt your score and could lower your chances of getting the loans and credit products you seek. If you find an error, or if you see evidence of fraud, you should file a credit file dispute: Contact the credit reporting agency that is reporting the item in question. You will need to tell them why you believe the information is incorrect and, if possible, supply any supporting documentation. The reporting agency will then investigate the disputed information. This includes notifying the creditor that supplied them with the disputed information that you believe the information to be incorrect. The creditor will then have the chance to review and investigate the information in question and report back to the credit reporting agency. When the investigation is complete, the credit reporting agency will notify you of the results and make any necessary changes to your credit file. You should then obtain a current copy of your credit report to verify that all the information is accurate. For more information on specific steps to take, visit: provided by Equifax.

get a credit report and look and see if there are things on it that's not your if there is call the credit reporting ageanys and then go to your local pd to report it they will then tell you what to do next

The best thing to do is just contact the credit reporting agency that your seeing the inquires on and tell them you want to dispute the inquires, and they'll ask you why or how, and just say you didn't approve the inquiry.

No. If they are tell them that the debt is paid off, and ask for them to cease any future calls. You might want to check to see if your credit report is updated with this paid status.

Just have to wait. The credit card company usually updates the credit reporting agencies once a month. Call your credit card and ask them if they can tell you what day that is. Then it can take up to a month to show up on the credit report. Knowing what day they report is good, because if you want to buy a new computer but tomorrow is the day they report to the agencies, hold off on the computer 2 days, and you'll at least look good for that month's credit report. If you paid it and it's not showing up even after a month, I'd first call your credit card company (they're easier to get ahold of). If they can't help, you can try to correct it by contacting the 3 agencies: , ,and . But usually their dispute process takes a month or two, so you're probably better off just waiting it out.

Everyone is entitled to a free credit report once a year. That is the law. Unfortunately, your credit score is not always included in the report. In fact, the major credit reporting agencies are allowed to charge a small fee in order to show you your credit score. There are, however, other ways to find your credit score for free. You are entitled to see your credit score for free if you have applied for credit or a loan and you were denied. You will be able to ask the lender or agency what your credit score is, and they will be obligated to tell you. When applying for a mortgage, the lender will be able to tell you your credit score. Also, some credit card companies offer to provide you with your credit score for free as a courtesy. There are many websites online that offer a free credit score. You usually have to sign up for whatever their service is for a month in order to get the credit score, but it will indeed be free. However you decide to approach this, it is most definitely possible to get a copy of your credit score for free.

Privacy Matters 1 2 3 is a private credit reporting guide. You can give them your information and they will find out about your credit report, and tell you what you need to know.

Generally only when you apply and are declined, the credit card company will tell you which credit bureau was used so you can receive a free report. Just so you know, there is a third option for them to check with also, Experian. Its just not a choice between the two you've mentioned... Some creditors will tell which credit bureau they use ,if you just ask prior to you applying for credit.

I had the same problems you have but my credit is all cleared up now. I suggest that you get ahold of the FCRA, Fair Credit Reporting Act. It is a federal act that allows anything on any 3 of your credit reports to be on the reports for no more than 7 years. If these are the problems that you are having I suggest you see a personal banker at your local bank. They are usually more than happy to help you because they know you have accounts through them and potentially more accounts or loans through them. They will be able to tell you how to write the credit reporting agencies and dispute the claims that are more than seven years old and get them removed from your credit reports. Go to and find out what these entries are. There was a federal law passed a year or 2 ago that says consumers have the right to a free credit report from each of the big 3 agencies free every 12 months. Feel free to drop me a line if you have any more questions. tolstadb

Yes don't give them your credit card info, checking account number or tell them where you work at or bank at, they will use it all against you to clean you out.

No. If you file bankruptcy, you are basically telling the creditors that you don't have any funds to pay them. Your finances are being held by the court and the lawyers will tell the creditors that you filed bankruptcy. You are still responsible for the debt. WRONG! If you file bankruptcy and file a chapter 7, if the judge approves your appeal all your credit card debts are erased, and creditors have to stop calling and harassing you. If you file a chapter 13, you are still responsible for a certain portion of your debt, to be paid over a 5 year period, and creditors have to stop calling and harassing you.

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