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Q: What documents have to be hand delivered to credit bureaus before they can report them?
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How many credit bureaus are there?

There are 3 credit bureaus


Where can you find the law that says foreclosures and bankruptcies must be HAND DELIVERED to the credit bureaus?

You can't because there is no such law.


What are the 3 main credit bureaus?

The three major credit bureaus are Experian, Equifax, and Transunion. Typically when a credit card company runs your credit, they will run it through all three credit bureaus.


In what months do the credit bureaus update credit reports and scores?

Credit bureaus update at the beginning of every month.


What are the top three business credit bureaus?

The top three business credit bureaus are Dun & Bradstreet, Business Experian and Business Equifax. These credit bureaus control 99% of the credit bureau market.


What is the lowest amount that can be reported to credit bureaus?

$0. Credit bureaus do not have a minimum amount reporting requirements.


Can a creditor report you as late to the credit bureaus after you file Chapter 7 but before the debt is discharged?

No.


What are the 3 credit bureaus?

There are three main credit bureaus where one can get a copy of one's credit rating. These credit bureaus are Experian, Equifax and TransUnion. One can find the contact information for each of these on the Federal Deposit Insurance Corporation website.


Which states' lenders are supposed to notify the cosigner before reporting a late payment to credit bureaus?

None


Who do you get your credit score from?

The CRA (Credit Reporting Agency/Bureaus).


When an account is deleted from a credit bureau do the other credit bureaus automatically delete it too?

only if you and your lender report it to the other bureaus


How do you make sure no one is using your credit report?

You can 'freeze' your credit with the 3 credit bureaus, Equifax, Experian, and Transunion. If you do this, your credit can't be run unless you were to contact the bureaus again and 'unfreeze' the credit.