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Does asking for an investigation make items stay in your credit report longer?
Wiki User
∙ 17y ago
Your question is a good one: the answer to this however is NO. The statute of limitations does not use "date reported" to determine when the time limit on a trade line is up. NOR does it used date opened (exception: Court Records, which stay on 7 years from date filed, and bankruptcy, which remains on 7 or 10 years from date filed, depending on the type). It instead uses the "date last active" to make this determination, and in order for that to change, there must be actual activity BY YOU on the account (payment, debit, settlement, etc.). An inquiry by the credit bureaus on behalf of the borrower will not change this, nor will any other type of inquiry. You have nothing to worry about by disputing information on your credit report. Any questions, please feel free to ask!
Wiki User
∙ 17y ago
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If you dispute a judgment on your credit report will it be removed temporiarly?
No. They do their "investigation" and if they find proof that the item does not belong there, then they will remove it. I had a judgement that was paid off, and I sent them a letter asking them to remove it. They did their "investigation" and it's still on there! So it may not always work.
Where can you get your credit report from all three companies free?
You can get your credit report from all three credit companies by going to your local bank and asking a mortgage consultant to run your credit report.
Who has a legal right to check your credit report?
You have the right to see your credit report. If you have asked some person or institution to extend credit to you, they have a right to see your credit report. In many jurisdictions, potential employers may also obtain your credit report. If the police are considering whether you may be a suspect in a criminal investigation, they may also view your credit report.
Are you asking a collection agency to falsify your report if you ask them to remove a paid account from your credit report?
no.
If you pay off an old debt no longer on your credit report will it be placed back on the credit report?
Yes it can. You should agree to pay it only if there is an agreement to not report it to the credit reporting agencies.
What should you do if a creditor listed on your credit report is no longer at the location shown on the report?
Sumbit a dispute based on inaccurate information and let the credit report agency find them for you.
Do you dispute the date of a paid federal tax lien with the IRS or the credit reporting agency?
If the lien appears on your credit report, you dispute it with the credit bureau. You can do this by ordering your credit report on line and issuing a dispute through their investigation department, of course, you will have to provide evidence for your claim.
When during an investigation does the detective write a report?
You take notes during an investigation, and write a report when the investigation is finished.
If you dispute something on your credit report can you get a credit score while it's in investigation?
Yes, you can always get a credit score since it is simply an algorithm that is run against a "snap-shot" of your credit report. Disputes don't show up on your credit report - only the results so the resulting score won't be affected by the dispute until after it has been resolved.
Is it true collection debts erase from your credit report after 7 years?
Yes, however, bankruptcy can remain on the report longer.
How many free credit reports are you legally entitled to each year?
That would depend the laws of the country in which you live. For instance in the UK credit agencies have a statutory obligation to provide you with your credit report for £2, and you can access your report online or by asking for a written copy. You can do this as often as you wish.
Where can credit report scores be viewed?
Credit report scores can be viewed by contacting the IRS and asking them to either email, phone, or mail in your credit score. An alternative can be going to a tax store such as H&R Block or Quicken Loans.
