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Information in a credit report comes from banks, mortgage lenders,credit unions, credit card companies, insurance companies, landlords, department stores and employers.
Wiki User
∙ 10y ago
Wiki User
∙ 10y agoInformation in a credit report comes from banks, mortgage lenders, credit unions, credit card companies, insurance companies, landlords, department stores and employers.
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If a bankruptcy was discharged in 1993 does it automatically come off of your credit report and how long after What if it's still on your report?
Bankruptcy can stay on your credit report for up to 10 years. If you obtain the credit report directly from the credit reporting agency (ie. Equifax, Transunion, Experion) the report will provide you with directions on how to dispute the information.
Where does the information contained in a credit report come from?
The information in a credit report comes from financial institutions, lenders, and creditors that report your credit activities to credit bureaus. This includes details about your credit accounts, payment history, outstanding debts, and any public records such as bankruptcies or liens.
Where can one find information on obtaining a free consumer credit report?
Use sites such as consumer and consumerfinance. They come up with great strategies and places for a free credit report. Also check in with local authorities like the police to guide you to a great path for credit report.
Why do all your loans come up on a credit report?
To determine your credit worthiness and history.
Does freecredit.com offer credit repair?
Freecredit.com is a site in which you can order a free credit report. This is great information to obtain for your own records and security. They do not offer free credit repair. This would need to come from a different provider.
What 10 items are on a credit report?
Identifying Information.Your name, address, Social Security number, date of birth and employment information are used to identify you. These factors are not used in credit scoring. Updates to this information come from information you supply to lenders. Trade Lines.These are your credit accounts. Lenders report on each account you have established with them. They report the type of account (bankcard, auto loan, mortgage, etc), the date you opened the account, your credit limit or loan amount, the account balance and your payment history. Credit Inquiries.When you apply for a loan, you authorize your lender to ask for a copy of your credit report. This is how inquiries appear on your credit report. The inquiries section contains a list of everyone who accessed your credit report within the last two years. The report you see lists both "voluntary" inquiries, spurred by your own requests for credit, and "involuntary" inquires, such as when lenders order your report so as to make you a pre-approved credit offer in the mail. Public Record and Collection Items.Credit reporting agencies also collect public record information from state and county courts, and information on overdue debt from collection agencies. Public record information includes bankruptcies, foreclosures, suits, wage attachments, liens and judgments.
Can I start requesting a credit report form before I purchase a car?
yes you can definately report it.Every year, you can request a free report from any of the three credit. if you come to know and something is wrong You can improve your credit report legitimately and that can be beneficial.
Can late payments come off your credit report?
Yes late payments can come off your credit report. They can be removed by either the original creditor that put it on there or by the credit bureaus. You can dispute late payments on your credit report with the credit bureaus using the Fair Credit Reporting Act. The FCRA requires the credit bureaus to contact the creditors to verify the late payment. If the late payment isn't verified it must be removed.
If you signed for a car loan for a friend does all theyre bad credit come on the co signers credit report?
No, but if she defaults on the loan then you will have to pay the amount due or suffer the consequences on your credit report.
You had a bankruptcy in 2004 when does it come off your credit report?
10 years from discharge
Do addresses come up on credit report?
Yes, addresses come up on a credit report. Generally, the most recent four addresses are represented on a credit report - the current address and the three prior addresses. Not all credit reports are up to date, however, so there may be less recent addresses in the credit report and it is up to the individual to update the credit reporting agencies. IN the United States there are three (3) credit reporting agencies and every citizen is allowed to get a free copy of their report from each agency on an annual basis. Be sure to check your credit report from each provider at least once per year and request updates to addresses that are out of date.
If you and your husband have joint credit card accounts why would nothing come up on a credit report using his SS number only under yours?
You would have to get a copy of his credit report from all three bureaus to answer this.
