Under normal circumstances, credit activity should be reported monthly. Answer 2 There really is no time limit unless there's a statute on how long a company has to colelct a debt. However, usually creditors will wait about 30-90 days to see if you'll pay. You'll get past due notices in the mail. You'll probably get 30 day overdue notices in the mail, then 60 days, then 90 days. In between 30 and 60 days you'll start getting calls from the companies you owe money to. After about 90 days when the creditor has done everything in their power to contact and collect from you, they will then contact a debt collection agency to do it for them.
Any lendor or lending institution.
Whenever you submit a credit report dispute, the credit reporting agency has as much as 45 days from receiving your dispute to do an analysis. The credit reporting agency generally will get 30 days to research your dispute, but when you signal more details inside the 30-day window, the credit reporting agency will get yet another 15 days, getting the total to 45. Once the credit reporting agency has got the outcomes of the analysis, the agency should inform you about the results within 5 working days.
Consult with a debt collector. They have the legal qualifications to report to credit reporting agencies.
Debts included in the bankruptcy should be noted as such in the credit report. The bankruptcy will remain on the credit report for ten years.
Yes and no. What the original credit agency should be reporting is that the debt was transferred to a new collector. Once you have proof that the debt was paid in full, you should be able to provide all creditors that are reporting negative info regarding that debt that this is the case and they should mark your records accordingly with a zero balance. It is really entirely up to them as to whether or not they totally remove the entry from your credit report.
File a consumer dispute with the credit reporting agency. You can do that online as each reporting agency has it's own website.
If I were a small biz... I would go to Google and search for Experian, Trans-Union, and whatever that other credit reporting agency is, or just search for credit reporting agencies, go to their websites and look for info on how to report.
If you have been turned down for credit recently you are entitled by law to get a free credit report from the credit reporting agency that supplied the information. Call or write the agency to make your request.
File a dispute with the credit reporting agency.
By federal mandate, the credit reporting agency must NOT report you to the credit bureaus until 30 days past the date of the letter sent to you.
Yes, the credit reporting agency can update the Date of Last Activity, Date last Reported, etc... But they cannot change the FCRA compliance date, which is the date the account is supposed to come off your credit report.
XPN1, XPN2.....are reports from the credit reporting agency Experian EFX1, EFX2.....are reports from the credit reporting agency Equifax 1 and 2 most likely identify you and your spouses individual report with a combined rating for certain types of credit.