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What do you do if your credit reports has creditors that are not mine?

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2009-05-06 07:12:40
2009-05-06 07:12:40

If that is the case then unfortunately you have been a victim of identity theft. You must contact your own bank immediately to notify them of the situation and call the local authorities who will investigate it for you. It is vital that you act fast.

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Related Questions


send letter to the credit reporting agencies . they will have to send letter to the creditors who will have 30 days to respond. if they dont the debt has to be removed from your credit record.



Your credit report is irrelvent. Certainly many debts are not on one. If you owe the debt, report it.


The Credit Rating Agency is a hub that gathers data from creditors and puts the data together into a single individual consumer credit report. Lenders use there reports in order to determine a borrower's credit worthiness.


Experian, Tranunion and Equifax are the 3 credit bureaus that are updated regularly by creditors. Credit bureaus are agencies that have billions of credit histories on consumers and commercial entities.


Credit reports generally tell creditors about your current and past credit history. They include things like the amounts of credit extended, the highest balance that you held, current balances, how long the accounts have been active, if and when you were late on a payment,how late the payment was, etc. They can then use this information to determine the risks associated with lending you money.


To improve a credit rating with no credit at all is to find a reliable source of revolving credit. A merchant or credit card that reports to the major creditors monthly. Many credit cards offer this and it should be disclosed before you try to be approved.


The Fair Credit Reporting Act promotes the accuracy and privacy of information in consumer credit reports. It also controls the use of credit reports and requires consumer reporting agencies to maintain correct and complete files. The Equal Credit Opportunity Act requires that individual creditors apply credit standards in a fair manner.


Average Creditors / Credit purchases = '?' x 360 = '?' ex. Average Creditors / Credit purchases = 50 000 / 120 000 x 360 = 0.4166 x 360 = 41.7 (average creditors = Creditors at the biginning of the year + creditors at the end of the year divided by 2) Average Creditors / Credit purchases = '?' x 360 = '?' ex. Average Creditors / Credit purchases = 50 000 / 120 000 x 360 = 0.4166 x 360 = 41.7 (average creditors = Creditors at the biginning of the year + creditors at the end of the year divided by 2)


Credit reports online are reliable. These reports are taken from the same three major credit bureaus that lenders will pull their own reports from.


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.


Care One is a debt consolidation service that negotiates with your creditors to reduce your debt. Debt reduction never looks good on your credit report because it signals to creditors that you have not paid your previous debts in full. However, most people who are deep in debt rightly prioritize getting out of debt over having a good credit rating. Also, credit reports only go back seven years, so eventually negative items will drop off your report.


Debit expensesCredit sundry creditors


There IS no government site for free credit reports, since credit reports are provided by private firms, NOT by the government.


You can get a list of your creditors by checking your credit report. Most of all creditors will report to the agencies and will have a record.


The website to get free credit reports in the US is Annual Credit Report.com.


Yes, and they very often do. It is a common practice for creditors and larger collections agencies to obtain credit reports in an attempt to recover a debt. Credit reports provide a tremendous amount of information. This information can be obtained through countless other means, but the CR puts it all right there at their finger tips.


Each person is eligible for three free credit reports a year. These reports are available from the following credit reports bureaus: Equifax, Experian, and TransUnion.


Credit reports are the perfect way of ascertaining the credit standing of an individual. These reports also offer the perfect documentation which the creditors should analyze before offering more credit to the borrowers. This can be well stated to offer a platform for secure and healthy relationship between the creditor and debtor. This is why not many find it difficult to shell some amount of money from their pocket to get an unbiased review on the credit standing per-se. It is for theses accurate credit check reports which proffer valuable information which is not only comprehensive but also classified to meet all needs.


It is possible to obtain all 3 credit reports at once through Equifax. Your three credit bureau reports will include reports from Equifax, Experian, and TransUnion.


There are three different credit reports. Experian, Equifax, TransUnion


They are the people who credit others


When company purchases materials from different vendors on credit, those combined creditors are called sundry creditors.


Yes, free online credit reports are usually pulled from the 3 major credit bureaus Experian, Equifax and Trans Union. These are the same credit reports your lenders will pull if they pull your credit.


Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.



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