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Individuals can't report other people to the credit bureaus. Companies must meet legal requirements to input and access credit bureau files. Credit bureaus are regulated businesses who accept entries from their paying clients. Those clients must meet legal criteria to access and imput data to a consumers' credit file. There is no way that an individual would qualify, even if that person were willing to pay the fees. As an individual, you can take someone else to court over a debt. If you win the case, you would be granted a judgment. This judgment, being a public record, would eventually show up on the defendants credit report. This type of public record is routinely included in credit reports. Turn a bill in for collections to a collection agency. They'll take a percentage of any money collected, but in the process they can report to the reporting agencies.

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โˆ™ 2009-01-06 08:56:53
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