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Can you call any one of the 3 credit bureaus and ask them what is wrong with your credit in detail or what factors they used in creating your score?
Wiki User
∙ 16y ago
You can get a free credit report from all three once a year. Other than that, you can get one any time you are turned down for credit based on your credit report. Once you have the credit report you can submit an explanation of any bad things reported about you. That way you have the detail as to what went wrong.
Wiki User
∙ 16y ago
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Can a condominium association report nonpayment of operating fees to credit bureaus?
Operating fees -- assessments -- are paid by owners to support community expenses, such as insurance, basic utilities and so forth.Every association's governing documents detail the process whereby the association can pursue an owner to collect unpaid assessments.When the association files a lien on the title based on non-payment of assessments, the lien becomes public record and credit bureaus can include this in your credit rating.Whether the association chooses to report the non-payment prior to filing a lien is up to each board to decide.
Credit card interest rates?
This question needs more detail what about credit card intrest rates
Steps on improving your credit score and credit report?
For most people, the concept of repairing your credit means disputing the negative items in your credit reports in order to get the credit bureaus to remove them. Removing the items on your credit reports that are depressing your credit score in turn causes your credit score to improve or become repaired. The most basic form of credit repair is the credit bureau dispute. As a component of the Fair Credit Reporting Act, all consumers have the right to dispute with the credit bureaus any items on their credit reports that they feel are incomplete or inaccurate. In response to disputes the credit bureaus do not deem to be "frivolous or irrelevant", the credit bureaus are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If after the reinvestigation has been completed the disputed listing is found to be inaccurate or incomplete or cannot be verified, the credit bureau is required to modify or delete the disputed item from the consumer's credit report. All three credit bureaus provide online forms for disputing your credit reports. In addition, you have the option to mail dispute letters to each of the credit bureaus. Many experts suggest mailed disputes for documentation purposes. A second credit repair tactic and an extension of the credit bureau dispute is to work with the creditors who are reporting to the credit bureaus. In many instances, it is possible to successfully request that creditors stop reporting negative credit or change they way they are reporting a particular item to the credit bureaus in order to improve the appearance of the item on your credit reports. In cases where the creditor is reporting incorrect information, your rights under certain consumer protection laws such as the FDCPA and the FCBA give you tools to force the creditor to correct or remove any inaccurate listings. For many people who do not have the time to learn about and participate in the dispute process, there are a number of legitimate credit repair organizations who will manage the process for you. The majority of these organizations will learn from you which items on your credit reports you would like to dispute and then go through the process of crafting and sending dispute letters to the credit bureaus and to your individual creditors. Many companies also offer credit score coaching to advise you on other steps you may be able to take to improve your credit score. Credit repair companies are an easy way to dispute the information in your credit reports and many clients of these companies have experienced very satisfactory results. But as with any service, be sure to take the time to properly research any credit repair organization before providing them with your personal information. Largely to combat the fraudulent tactics of some credit repair companies, the Credit Repair Organizations Act (CROA) was enacted to legislate the industry. The CROA laws detail specific operational practices that credit repair organizations must abide by. These practices are in place to help you avoid becoming a victim of a credit repair scam. When shopping for a credit repair company, watch out for any company that tries to collect money from you before rendering any services, guarantees specific results such as a 100 point credit score increase, does not allow you to cancel the service at any time, and does not inform you of your right to repair your credit on your own. In addition, watch out for any company that offers to create a separate credit file for you. This process, known as "file segregation" is illegal and could end up getting you in trouble as well as the offending credit repair organization. Because the above methods of credit repair focus solely on removing negative credit from your credit reports, these tactics have become known as credit report repair. In addition to credit report repair, there are other tactics you can use to improve your credit score. Depending on your credit situation, these tactics may include paying down high credit card balances to improve your current level of indebtedness, diversifying your credit portfolio, ensuring that good credit is being reported, strategically refinancing loans, and so on. Understanding your credit score and how it is constructed will help you to determine which of these steps you should take to improve your credit score. There are four factors that affect your credit score. Be aware of credit repair companies online or in your local area who promise you something that is completely false or fabricated. There are alot of credit repair companies that are only there to take advantage of you.
How can you get a credit card with little or no credit?
There are a few ways you can get a credit card with little or no credit. Check the websites I've added. They should be able to explain in detail.
What are the six devices for creating perspective?
Overlapping,Size,Placement,Detail,Color,Converging Lines.
Explain in detail internal and external factors affecting business environment?
internal and external factors in the organizational environment
What factors affect prenatal development?
plz send the topic of what factors affecting prenatal life detail and headlines
Show an example and explain in detail the workings of a credit-creation process?
dhug jhokj,
My credit monitor says proportion of balance-credit limits on revolving charge accounts are to high was this because I closed a line of credit affecting my FICO?
Yes you should never close a card. 35% of your credit score is determined by the number of derogatory items. 30% of your score is your credit to debt ratio. Credit to Debt ratio is the difference between your balances and your limits on your cards. The further the balance from the limit the better the score. Paying in a timely matter is not the only detail the bureaus look at. You should always try to keep the balances 70% away from the limits if not at zero. 15% of it is credit history. 10% of it is pursuit of new credit; recent inquiries, on-time payments, etc. 10% of it is how many accounts are in use (mix ratio).
What are unidentified growth factors?
Growth factors are hormones or chemicals that regulate the growth in certain animals. Unidentified growth factors have not been studied in detail yet.
What should you do if you use stolen detail credit card to purchase online?
Be prepared to go to jail !!!!!!!!!!
Can you give me a sentence for the word vignette?
Creating vignettes of real American life, he doesn't forget a single detail.
