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What must be done to remove negative info from my credit report that is not mine?
Wiki User
∙ 15y ago
Check to see if all of the info they have for you is correct, previous addresses, names, ect. because they could have mixed your info with someone with the same name as you. You can get a free credit report from annualcreditreport.com and then you can dispute any info directly online through the credit bureau reporting agencies. Each agency is different in what is being reported so you will want to check all 3, Transunion, Experian, and Equifax. If you still have problems you can give them a call and press 0 on each option until they send you to an operator.
Wiki User
∙ 15y ago
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How long is a credit history visible?
The information on the credit report is available up to seven years, both positive and negative. Some collection agencies though can fulfill your request to remove a negative collection in return for a full payment and a lot of people have done this despite it being illegal. The best that you can do to balance out a negative collection is to improve on other aspects of your report. I found ways to do that here http://www.myfreecreditreportx.com/how-to-improve-your-credit-score-fast
Lawyer remove dismissed bankruptcy from credit report?
Nope...can't be done. The credit report MUST list accurately your history. We live with the history we make. BK is a matter of public court record and that will not change either....
What does RPI-LD mean on a credit report?
What RPI-LD on a credit report means is that a hard pull was done. Hard pulls are usually done when doing credit checks from landlords and such.
Obtaining a report from the credit bureau can be done how?
There are many ways one might obtain a report from a credit bureau. The website, Annual Credit Report is the most reputable and does not require a credit card.
Where can one find out how to obtain a free credit report?
One can find out how to obtain a free credit report by directly contacting your credit card company and requesting a free credit report, this can be done once a year.
How often should a credit report be done?
every day
How can you tell if someone has done a credit check on yourself?
When you examine your credit report, you will see the inquiries that have been made and by whom. There are limitations to who can pull your credit report without your permission.
How do you get bankruptcy off your credit report?
A bankruptcy will remain on a credit report for the required ten years, it cannot be removed arbitrarily.
What is a soft credit report apposed to a hard credit report?
The nomenclature generally used in the credit report industry is usually "hard pull" and "soft pull". A hard pull of your credit history is done when a potential lender retrieves your credit file on your behalf for the purpose of deciding whether to extend credit to you or not. A soft pull is done when you want to pull your own report for review purposes only or when a lender checks your credit without your permission (perhaps to pre-qualify you for a credit card offer).
Where can one get a free Equifax credit report?
I already signed up for this. How do I know if someone is using my credit information.
Is it possible to have excessive inquiries removed from your credit report?
Yes, excessive inquiries can be removed from your credit report. You can dispute them with the credit bureaus if you believe they are inaccurate or unauthorized. It's recommended to monitor your credit report regularly to ensure its accuracy.
If you apply for a mortgage and are turned down will that reflect negatively on your credit report?
No, but the inquiry, if too many are done, can have a negative effect.NewCorrect, but remember that only credit inquiries within the last 90 day period will negatively impact your FICO score rating.
