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Yes. It says "Account information disputed under Fair Credit Reporting Act" or some variation of that. The dispute doesn't hurt your score, it is your legal right.
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∙ 14y ago
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If a bill is sent to a collection agency will it go on your credit report?
Yes it will go on your credit report. It will usually appear as a "charge-off" if it has been sent to a collection agency. ***Typicallly the answer is yes. It really depends on what the subscriber (the own of the debt) chooses to report. They may or may not report the debt to the Credit Reporting Agencies. They usually do, but I've seen it go both ways. If the debt is already on your credit report, get the debt paid in full (try to avoid a "settlement"). Then request (in writing, return receipt requested) that the original creditor report the debt "paid as agreed". This can positively impact your credit score. If consumers would take the initiative to communicate (in writing) with their creditors when they first encounter financial difficulty, the demand for collection agencies and bill collectors would significantly diminish.
When does the seven years start if there is a credit card debt on your credit report and the card was opened in 1999 but the reported last activity was 2001?
2001. Always go by the later dates of payment, delinquency, etc.
What is a reputable annual credit report service?
You can go to Annual Credit Report .com to get your credit report. There are three services that you need to check; Equifax, Transunion, and Experian. You can go to all three of those sites individually to also get your report directly from them.
Can you sue a credit card company for a charge they let go through on a closed account and then they sent you to collections and charged off the debt on your credit report?
They can but if what you say is true (although seems nearly impossible) then I don't know why they won. File a complaint with the Federal Trade Commission.
Where do you report someone for using your credit card?
You can go to the credit card company if you need evidence, they can help you track the charges. Then you go to the police.
If a bill is sent to a collection agency will it go on your credit report?
Yes it will go on your credit report. It will usually appear as a "charge-off" if it has been sent to a collection agency. ***Typicallly the answer is yes. It really depends on what the subscriber (the own of the debt) chooses to report. They may or may not report the debt to the Credit Reporting Agencies. They usually do, but I've seen it go both ways. If the debt is already on your credit report, get the debt paid in full (try to avoid a "settlement"). Then request (in writing, return receipt requested) that the original creditor report the debt "paid as agreed". This can positively impact your credit score. If consumers would take the initiative to communicate (in writing) with their creditors when they first encounter financial difficulty, the demand for collection agencies and bill collectors would significantly diminish.
What type of specialist is best to go to in regards to financial debt solutions?
You can go to a debt consolidation company to deal with debt professionally. You can also do it yourself if you have a credit report and you can call the companies that you owe.
Is care one credit card good on credit reports?
Care One is a debt consolidation service that negotiates with your creditors to reduce your debt. Debt reduction never looks good on your credit report because it signals to creditors that you have not paid your previous debts in full. However, most people who are deep in debt rightly prioritize getting out of debt over having a good credit rating. Also, credit reports only go back seven years, so eventually negative items will drop off your report.
How do you overcome a bad credit loan on your credit report?
If you continue paying your bills on time and work on lowering your debt your score will start to go back up.
How do you find who you have debt with?
It depends where you are located - but you need to have a credit report done and any bank or bankruptcy could tell you how to go about it.
Can a judgment be placed on your home or wages garnished from a 15-16-year-old credit card debt and can they legally place this debt on your credit report after this period of time?
The tricky thing about credit cards is that they never expire so no matter how old it is, they can call it in for collection now and put a lien on your home. If the debt is still active, then it can be on your credit report as well. It has to be settled in order for it to go the full 7 years and dissappear from your record.
How do you dispute an outstanding debt from a telecommunications company?
If the debt appears on your credit report and you have evidence that you have paid it OR if its not yours at all, go to the website of whichever bureau is reporting it and order an online credit report. Once you receive it, go into their site and instigate an on-line credit dispute. Explain in the dispute that's its not yours, or its paid, etc. and they will investigate. This usually takes 30 - 45 days to complete. If it is found not to be yours, it will be removed.
Can debt go on credit report if they don't have social security number?
Yes,Just they need an current address ,your name and if you have ITM from IRS ,they got you
Do you have to include all credit cards in a debt consolidation?
No matter what company that you decide to go into, they will put up your credit report to see if you are eligible for debt consolidation. However, not all of them approve debt consolidation plans from credit counseling especially bank credit cards. First it will be a 3 month wait to see if they actually approve the credit counseling plan. After that, you will see payments begin posting. I will not agree to anything about no debt consolidation unless it is in writing and I can fax over my credit statements.
Where can you go to view your credit report?
You can view your credit report online using the one official annual free credit report agencies. It is Annual Credit Report. Do not bother with the others.
How can I check my credit report?
You can check your credit report online. You should go to www.experian.com or www.myfico.com or www.equifax.com/ to check your credit report. It is easy to do.
Can you put your husband's credit report information on your credit report?
no that would be credit fraud and you would go to prison
