This is a serious endeavor that require you to engage in a business relationship with one or all of the 3 credit agencies. It is not designed for an individual to report a single account. The laws surrounding credit reporting are far to vast for the average person to process.
If you own a company and will need to set up a reporting relationship I suggest you visit the websites for:
There are very many countries with credit reporting agencies. Credit agencies use them to receive their data quickly. If there is a credit agency in any particular country then more than likely there is a reporting agency.
In the United Kingdom, credit reporting agencies are known as credit reference agencies. The three major agencies in the UK are Experian, Equifax, and Callcredit.
Small businesses should report bad payment history to a business credit reporting agency. A few of the key business credit reporting agencies are Dun & Bradstreet, Experian and Equifax.
usually the lender does it every 3 to 6 months.
you can call your credit reporting agencies, you can also compare your three credit report from your credit reporting agencies this ezcreditrepairsolutions(dot)com(slash)credit(dash)report(dash)score(slash) from different credit reporting agencies, They provide a lot of great information for improving your credit score, and it worked well for me.
Credit reporting agencies keep files of information on all consumers who have made credit transactions at some point in their lives. Credit granting institutions may purchase these files
Consumers don't report their own credit history to credit reporting agencies - Lenders do. However, you can file a consumer alert with each of the agencies that will put your statement on file.
Credit reporting agencies report your credit activities, such as paying bills on time, taking out a loan, etc. They keep track of this and make it available to anyone who requests it.
If someone wishes to view their credit rating, the Fair Credit Reporting Act allows that person to contact any credit reporting agency to obtain a copy, for free, once per year. The three major credit reporting agencies are Experian, Equifax, and TransUnion.
The three major credit reporting agencies in the US are Equifax, Experian, and Transunion. Most credit information will be reported to all three agencies. However, sometimes information will be found on only one report.
No. Lenders don't "have" to report to credit agencies at all. Credit reporting is totally voluntary. There is no law which requires or compels it. The Fair Credit Reporting Act states that IF information is reported, then it must be accurate. But there is no provision that insists on reporting.