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Answered 2006-08-26 13:52:36

There are NO acceptable excuses.

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Your landlord would have to report payments to the credit bureau.


Yes, it does show up on that persons credit report. If you are late on payments, it will negatively impact his/her credit report.



If the bills were overdue and you are making payments as the result of being 'dunned,' and the bills are not yet paid in full, it will reflect on 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.


It can't hurt your credit. Most all cell phone providers do NOT report your good on-time payments but will report late payments.


Only clients of a credit reporting agency may "report" credit information. Rent payments, therefore, are typically excluded.


Yes, late payments can be removed from your credit report. Under the Fair Credit Reporting, any consumer can dispute anything on their credit report they believe to be erroneous or inaccurate. If you fall under this category, send a dispute letter to the credit bureau asking for verification on the account, they have 30 to days to verify it or it must be removed.


A credit report tracks your credit reliability based on your history of making payments on your loans and other debts. A credit score is a numeric value based on a weighted formula and your credit history. To find out more on both your credit report and credit score go to http://cashmoneylife.com/credit-score-credit-report-difference/


Call the mortgage company and ask why the payments are not being reported (its illegal to NOT report payments) Further, you can call the credit bureaus, and they will request the information from the mortgage company. Realize, that in some instances credit reporting can be suspended.


No, if the wife is not an authorized user on the credit card then it does not affect the wife's credit report. So the late payment will only be on the husband credit report.


Yes, they will report the late payments to the credit bureaus which will damage your credit score, and if enough payments are missed can commence a foreclosure action on the property.


Like other late payments reported to a credit reporting agency, an unpaid medical bill may stay on a credit report for up to seven years.


AnswerLate payments can only be removed by the creditor who placed them on there or the credit bureau reporting them. You can contact the creditor and based on goodwill or negotiated a payment, they will sometimes remove the late payments. You can ask for verification from the credit bureaus on them and if they aren't verified with in 30 days, they must be removed from your credit report.


Yes, you can increase your credit score by removing late payments from your credit report. You can either contact the creditor that placed the late payments and ask on good faith to have them removed. Some creditors will remove them if it is a one time occurrence, but most won't. You can also dispute the late payments to the credit bureaus. Depending on how old the are and how severe, they can come off your credit report. This will most likely remove the whole account thought, but 1 late payments is worse than all the good credit you can get from a good payment history.


If it is a student loan, there will be a statement on the credit report. It will also show the date that payments were deferred.


Yes, this is only reported on your credit report if it is a collection account.


Simply put, no, you can not. They will require you to have a copy of their own credit report. The exception is if you have a tri-merged credit report (all three bureaus on one credit report). This is acceptable to dispute to all three bureaus with.


When a derogatory item is removed from your credit report, them yes, your score increases. If you have a credit account with no derogatory items (late payments) and you close it, then your score is likely to decrease.


Creditors may report any time there is activity on your account, if a credit report is pulled [for a credit application] or if payments are made late. Capital One may report every month whereas a smaller department store card may not report at all. It solely depends on the creditor on how often the credit report is updated.


Yes, it will shorten the time in which the mortgage is on your credit report.


There are no places that can give you a actual free credit report, credit reports can only legally be done at a credit bureau. There are websites that claim to give free credit reports only to manipulate people to make payments.


Yes, it'll be there until the payments are completed.


Seven years. However, they will have less effect as time goes by. For example, late payments over a year old do not harm your credit as much as late payments from last month. Late payments over 2 years old are generally ignored.


Not if you are responsible for all of the loans or credit card payments on your credit report. But, if the second card holder is responsible for any payments on your cards, and doesn't make them, then it can cause your score to lower.



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