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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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.
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.
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.
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.
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
It happens and can be disputed. Call you credit card company or credit agencies.
get a copy of your credit report from all three credit bureaus
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.
The following websites provide free annual credit reports: Check My File, Equifax, Credit Report Access, Annual Credit report, Experian, What's My Score.
No, just adds to it. The credit report is just reflecting historical information....your actions after the fact don't change the past.
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.
Not without suing. It's a credit report. You are not a creditor. If you sued and got a jugdment and she didn't pay then that would be on the credit report
Your credit report may not reflect all your credit accounts. Although most national department store and all-purpose credit card accounts will be included in your file, not all creditors supply information to credit reporting agencies: Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those creditors that don't. If you've been told you were denied credit because of an "insufficient credit file" or "no credit file" and you have accounts with creditors that don't appear in your credit file, ask the credit bureau to add this information to future reports. Although they are not required to do so, many credit agencies will add verifiable accounts for a fee. You should, however, understand that if these creditors do not report to the credit agency on a regular basis, these added items will not be updated in your file.
Yes an unpaid hospital bill will show on your credit report, however, if you are disputing the bill you can write to the credit reporting agencies(all 3) and have the dispute added to your file. This way if anyone pulls your credit report this cannot be taken into acccount for future credit.
If you don't have credit, you **can't** have a score, since they are solely based on your use of your credit. The bureaus return a report saying "no credit information on file".
if someone looks into your credit report, yes it will effect your credit score. it will reduce between 3-10 points.
Experian is a credit reporting and credit scoring company. You can get your credit score and report as well as monitoring, credit file disclosure, and identity theft protection.
It stays on your credit report for ten long years and they won't remove it.
Your credit report is irrelvent. Certainly many debts are not on one. If you owe the debt, report it.
No, it will show on your credit report as a paid collection/judgement and will fall off of your credit report in 7 years. After you pay the debt keep all receipts and check your credit report in about 60 days to make sure they reported it as paid. Many collection companies never report it paid.
The bankruptcy will remain on the credit report until the required ten years has expired. UPDATE: Actually, you can force Equifax, Experian and TransUnion to remove a Bankruptcy from your credit report and you can do it legally using a federal law that is in place. Credit Bureaus MUST have "verifiable proof" of the "bankruptcy" in their files if they are going to report the negative item on your report. The dirty little secret the credit bureaus don't want you to know is that they do not have any "verifiable proof" in their files for any of the negative items on your credit report. The Federal Court that the bankruptcy was filed in may have this information on file but the credit bureaus don't. If you request the credit bureau to provide you with the "verifiable proof" that they have in their files they will remove the negative from your file.
An Anthem Report is a instant, merged credit report on a borrower who has a thin or no credit file, the Anthem Report first utilizes any available bureau data as a baseline. It then supplements any bureau data with non-traditional credit data, such as rent payments, utility bills and phone bills. The result is a fully compliant nontraditional credit report that is accepted wherever alternative credit data is honored.
If you identify information in your credit file that is incomplete or inaacurate, and report it to the consumer reporting agency, the agency must investigate unless your dipute is frivolous. See www.ftc.gov/credit for an explanation and procedures
It is totally up to you who you share your credit report info with, but it is against the law for a creditor or credit reporting agency to disclose any information regarding your file, only you have the authority to access your credit file and unless there is a permissible purpose as defined by law no one else including a creditor can access your file.