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Yes.
OK let's be a little more specific. If you believe there is an inaccuracy on your credit report, then you can notify the agency that the reporting entity needs to prove this item. Then they have a time period to validate the item (I think it's 30 days). If they do not within the alotted time, then the credit bureau will remove the item from your file.
Technically, you could challenge every 'negative' item on your credit report (with all 3 agencies), and chances are, a lot of the reporting entities would not get back with proof of validity within the timeframe. Even though the item may be legitimate.
While this practice is technically legal, it is certainly not ethical.
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∙ 13y ago
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What debts are legally reportable on a credit file?
Everything but, medical and utilities.......
How can you legally change my business name on my current bank account?
You can legally change your business name by filling out a form to request a change. There may be a need to file a name change with your city or state as well.
How much does it cost to legally change your name in Colorado?
In Colorado, filing a petition for a name change costs around $90-$150 in court fees. Additional costs may include publication fees if required by the court, as well as any fees associated with obtaining certified copies of the name change order. It's best to contact the local court or consult with an attorney for the most up-to-date information on the total costs involved.
Can you legally negotiate with individual creditors for a letters of deletion from your credit file after the bankruptcy invovling the accounts has been discharged?
no it has been filed with the state and will stay on your credit report
Can you change your name and ss number legally?
Yes, you can change your name legally by going through a formal process in your jurisdiction, typically involving a court order or a marriage/divorce certificate. However, changing your social security number is generally more difficult and is usually only allowed in specific circumstances, such as identity theft or harassment. It's best to contact the Social Security Administration for guidance on changing your SS number.
How many credit reports are you legally entitled to per year from each credit bureau?
You are legally entitled to three credit report per year from each credit bureau.
Are you legally married if the marriage certificate says middle name as given name and given name as middle name?
You can change your name to whatever you want when you get married, and you can also legally change your name while married and you will still be legally married unless you file and complete the divorce process.
How do you open a back account using an TIN number?
You really need the proper knowledge before attempting this approach. As an excert from Phil Turner's Book The Credit Bible states: = = = The Truth About File Segregation: = = "Can I Create A New Credit ID?" = = = You've probably seen the ads: "Legally create a new credit file!" For a fee and they will sell you the know-how so that you too can legally create a new credit file, supposedly, so that you can obtain loans and credit cards and overcome your bad credit rating. The question is, can you really create a new credit file? I have to be honest and technically give the answer yes, but its illegal and you could go to jail. Other will say no but I've seen this done successfully. However, if you get caught, you could, again go to jail. You don't have to pay anyone to tell you how you can create a new credit identity because I'm going to tell how it is done free of charge right now.
If you file bankruptcy after a foreclosure does it delete it from your credit report?
No, just adds to it. The credit report is just reflecting historical information....your actions after the fact don't change the past.
Do you have to get credit counseling before you can file for bankruptcy?
You do not have to necessarily get credit counseling before you can file for bankruptcy.
If I spell my last name Swan can I legally spell it as swann?
Not legally unless you file with a court to legally change it. You can use any name you like as a "stage name" (e.g. rap singers) but any documents or contracts that are executed must use your birth name unless you have been granted a legal change.
How do you legally change your last name in Oklahoma?
You must first sign a name change petition and file it with your local county clerk's office. The clerk will then give you directions on how to complete the name change process.
