Any lendor or lending institution.
Whenever you submit a credit report dispute, the credit reporting agency has as much as 45 days from receiving your dispute to do an analysis. The credit reporting agency generally will get 30 days to research your dispute, but when you signal more details inside the 30-day window, the credit reporting agency will get yet another 15 days, getting the total to 45. Once the credit reporting agency has got the outcomes of the analysis, the agency should inform you about the results within 5 working days.
Debts included in the bankruptcy should be noted as such in the credit report. The bankruptcy will remain on the credit report for ten years.
File a consumer dispute with the credit reporting agency. You can do that online as each reporting agency has it's own website.
If I were a small biz... I would go to Google and search for Experian, Trans-Union, and whatever that other credit reporting agency is, or just search for credit reporting agencies, go to their websites and look for info on how to report.
If you have been turned down for credit recently you are entitled by law to get a free credit report from the credit reporting agency that supplied the information. Call or write the agency to make your request.
File a dispute with the credit reporting agency.
By federal mandate, the credit reporting agency must NOT report you to the credit bureaus until 30 days past the date of the letter sent to you.
Yes, the credit reporting agency can update the Date of Last Activity, Date last Reported, etc... But they cannot change the FCRA compliance date, which is the date the account is supposed to come off your credit report.
XPN1, XPN2.....are reports from the credit reporting agency Experian EFX1, EFX2.....are reports from the credit reporting agency Equifax 1 and 2 most likely identify you and your spouses individual report with a combined rating for certain types of credit.
If there is an error in your credit report, you must contact the particular Credit Reporting Agency that issued the report and provide them with correct information, in writing and, if possible, with supporting documentation.
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.
If you identify information in your credit file that is incomplete or inaacurate, and report it to the consumer reporting agency, the agency must investigate unless your dipute is frivolous. See www.ftc.gov/credit for an explanation and procedures