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send letter to the credit reporting agencies . they will have to send letter to the creditors who will have 30 days to respond. if they dont the debt has to be removed from your credit record.

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โˆ™ 2005-10-20 14:00:13
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Q: How do you challenge the reports if you have bad credit?
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Related questions

What are bad credit reports?

Bad credit reports are those that show negative aspects of your credit history. The types of issues that cause bad credit are missed payments, too much credit, too little income, etc.

What is the best way to improve bad credit reports?

There are no quick fixes to improving bad credit reports. The best thing is to slowly rebuild credit by paying bills on time, paying more than the minimum on credit cards, and avoiding common credit traps.

Does marrying a person with bad credit make your credit bad as well?

If you are concerned about your credit score enough to challenge your marriage, you probably shouldn't get married.

How do you get your ex-husbands bad credit record off of your credit reports?

You don't. You're screwed. Welcome to the world.

Are credit reports online reliable?

Credit reports online are reliable. These reports are taken from the same three major credit bureaus that lenders will pull their own reports from.

What is the government site for free credit reports?

There IS no government site for free credit reports, since credit reports are provided by private firms, NOT by the government.

If a credit card was charged off 5 years ago and has since been sold to 4 collection agencies and each has reported it as bad debt do all 5 reports affect your credit or is it seen as one trade line?

All 5 reports affect your credit. Companies look at the number of negative reports on a persons credit. The number of reports will affect your credit score. Companies do this in order to: a) Get their money b) basically persuade you to pay the balance.

Whats the website to get free credit reports?

The website to get free credit reports in the US is Annual Credit

How many free credit reports are you entitled to in a year?

Each person is eligible for three free credit reports a year. These reports are available from the following credit reports bureaus: Equifax, Experian, and TransUnion.

Where can one get all 3 credit reports at once?

It is possible to obtain all 3 credit reports at once through Equifax. Your three credit bureau reports will include reports from Equifax, Experian, and TransUnion.

Do all credit reports show the results and risk factors involved with identity theft?

Not all credit reports show this listed out. TransUnion and Expedia show the risk factors involved. Most of the credit reports show the risk factors of what could happen should your idenity be stolen.Identity theft can have bad consequences.

If one credit company deletes an inaccurate account from your credit report does it automatically get removed from all credit reports?

Absolutely not. You'll have to contact each credit bureau and challenge each account. It's frustrating, but it's worth keeping your credit score up and your history clean.

Are the online free credit reports reliable?

Yes, free online credit reports are usually pulled from the 3 major credit bureaus Experian, Equifax and Trans Union. These are the same credit reports your lenders will pull if they pull your credit.

How many types of credit reports?

There are three different credit reports. Experian, Equifax, TransUnion

If you get married how will your credit reports and bankruptcy affect your future spouse's perfect credit?

Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.

How can one obtain free 3 credit reports?

For those looking to obtain 3 free credit scores and credit reports they may be able to get it from the Free Score website. The site offers 3 free credit scores and credit reports from 3 credit bureaus.

Can you co sign a loan with bad credit?

Most likely the loan company won't accept it because to need a cosigner on a loan means that there is bad credit all ready. Two bad credit reports don't equal one good one. If you have bad credit it isn't a good idea anyway because you could end up with the loan and this will impact your credit report in a negative way.

If you have bad credit but your fiance has good credit how will you be affected when applying for a mortgage loan?

Yes, if both people apply for a joint loan, both credit reports will be used to determine the elgibility of the borrowers.

Where can I find free annual credit reports online?

You can get free annual credit reports online from

How does Transunion Credit Reports work?

Transunion Credit Reports works by allowing you to see your credit report. They take your information and show you what your credit rating is based on your history.

Where can one find credit free reports?

Finding Free Credit Reports is a simple task to do. There are a hosts of websites that offer free Free Credit reports for working class individual and the website Free Credit Score is an official site to check out a credit report.

What type of merchant accounts could someone open with bad credit?

Someone with bad credit could open a merchant account with their bank, provided that their bank offers merchant accounts. Additionally, someone with bad credit could open a merchant account overseas, as overseas merchant processors don't typically pull credit reports.

How can I obtain my 3 free credit bureau reports annually online?

I recently received an email from a place online called Free Credit Reports 360. You can get all 3 credit bureau reports from them.

How can you apply for a major credit card and not hurt your credit score?

How credit repair works CHALLENGE We challenge your questionable negative items with all three bureaus, ensuring your credit reports are accurate and fair. DISPUTE We ask your creditors to verify the negative items theyโ€™re reporting. If they canโ€™t, they are required by law to stop reporting them. MONITOR We continue to watch your credit, addressing additional issues as they arise so that you can stay on track and reach your goals. THEY SAY BAD CREDIT IS FOREVER WE SAY YOU CAN FIX IT You can improve your credit score. -Get started with a FREE 10-minute credit analysis & Get your FREE- -Personalized credit consultation -Credit report summary -Score evaluation & game plan Copy the below link & Get Started now!

When you file chapter 7 bankruptcy do they check your credit reports?

yes, it will remain on your credit reports for 7 years

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