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The first step if you do not have a reporting account with the credit bureaus is to file a civil suit against them and win. (Be advised that the "and win" part is not guaranteed, going to court is never predictable.)

If you have a judgment the next step is to try and collect, if they will not pay then the answer is to file what is called a "Transcript" against them with your civil court. In NY state at least this involves visiting the court where you won your judgment paying a fee and having them sign a document allowing you to file the transcript. You then go to the clerks office and pay another fee where they will record and report to all three major credit bureaus by name. (You do not need a Social Security Number.)

In the mean time you have to sit back and wait for the person to apply for some type of credit, at which time they will be denied until they have showed a satisfaction of the judgment. You can collect interest from the time of filing to the date of paying, along with the fees you incurred to file the transcript. Once paid you must report that it was paid to the clerk's office, or you will be fined.

(Please note: I am only talking about my specific situation, I'm not sure that it will work in your state or locality. If the above doesn't work you may want to look up and try an information subpoena, where the person who lost is required to send data about where to collect the debt, or they will be held in contempt of court. That is when they will probably know you're serious.)

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โˆ™ 2011-10-08 10:18:57
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Q: How do you file something on someone's credit report?
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Related questions

If you file bankruptcy will that remove a charge off report from a credit card?

Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.


How can something be removed from your credit report?

It depends on what you mean. If you have erroneous information on your credit report, contact the credit reporting agency and tell them you want to file a dispute. If you're referring to a negative credit account or report that is in fact accurate, you usually cannot have that removed. Entries on your credit report are removed automatically after 7-10 years depending on what it is.


How do you write a derogatory credit letter?

You would only be able to write a derogatory letter if you a creditor who reports to the credit bureaus. If someone owes you money, you can go to court and file a judgment. This would show up on someones credit report, showing 'you' as the plantiff and the debtor as filed against. The judgment would remain on a credit report until the judgment is paid or falls off the credit report in seven years.


How do you report to a credit reporting agency?

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.


How do you get a wrong judgment removed from your credit report?

Get a copy of your credit report from all 3 credit bureaus and file a dispute with each. They have a form you can fill out. You can get free credit reports from www.annualcreditreport.com


How do you find debts owed to file bankruptcy?

get a copy of your credit report from all three credit bureaus


Can a a credit company file the same account twice on your credit report?

It happens and can be disputed. Call you credit card company or credit agencies.


How do you fix the wrong social security number on your credit report?

You can file a consumer dispute with the credit bureau to make any corrections on your report. You would contact them by using the method given when you got the copy of the report. They would then get back with you to let you know how to get the report corrected. If you are disputing something that a credit-grantor has reported, the bureau then contacts the business for them to verify or change the reported info.


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.


When filing bankruptcy what do you do with creditors that 'drop off' your credit reports before you file?

Your credit report is irrelvent. Certainly many debts are not on one. If you owe the debt, report it.


Which websites provide free annual credit reports?

The following websites provide free annual credit reports: Check My File, Equifax, Credit Report Access, Annual Credit report, Experian, What's My Score.


Can you file for bankruptcy with a repo on your credit?

The fact that you have a repossession on your credit report is not a determining factor of whether your can file for bankruptcy. Generally in bankruptcy you can remove the debts from the repossession of your vehicle.

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