GREAT QUESTION!! - I had the same dilema.
This is the best process I have learned in 3 years -
1 - Evict
2 - File Civil Suit - include ALL late fees and charges as stipulated in your lease, every nickel of fix up work and include liability for the time you could not rent because repairs were needed.
3 - Once the deadbeats don't show up, you can issue the judgment to a collection agency - they take either a percentage of what is recovered, or a flat fee.
I sent one loser to collections with the instructions - I don't want this guy to be able to buy a house this century.
Really though - until you evict them, you can't do much. Just be sure you have a copy of their social security number or drivers license.
Best of Luck.
T
Not necessarily. Sometimes it can take a credit bureau a few months (or even longer) to take an old record off your credit report. The best advice I can give is to request a credit report after 10 years have passed. If the bankruptcy is still listed, you can dispute the record directly with the credit bureau. You can get a free credit report at www.annualcreditreport.com or from most housing counseling agencies. You can find these agencies by looking on www.hud.gov.
First of all, you need to contact the merchant, that you have a dispute with. Please be aware that most credit cards indicate that any errors should be reported within 30 days after the statement date. If in fact there is an error, the consumer should request a letter from the merchant of the correction and have the merchant report the correction to the bureau. Also to be safe, the consumer should fill out a dispute form with the credit bureau (can be obtained from the credit bureau's website) and provide them with the detailed information from the consumer and merchant letters. Please also wait approximately a few months for the bureau to update because the merchants report on a monthly basis.
Credit scores can increase or decrease monthly depending on when your creditors report items on your credit report. Typically creditors only report items to the credit bureau every two to three months, but if you make a late payment of 30 days or more delinquent they report monthly.
You would have to become a contributing member of the credit bureau in question to contribute information on an individual. This is not always possible (legally), nor cost-worthy. However, if you wanted to sue your former tenant in small claims or civil court; if you prevail and are granted a judgment, THAT legal item would get picked up and eventually show on the person's credit report.
Periods come and go, I wouldn't worry to much :)
You can be sued and your car repossessed.
The only reason may be timing. It is possible that between purchasing the 3in1 service and receiving the scores from the bureaus that updates or changes were made to your credit report. Sometime it takes a few months for changes to get to a credit bureau and be incorporated into one's credit report.
first pay off all ur old bills.then call the company that gave you bad credit and find out what collection agency they use then get them to send you a statement saying it is paid and then call a credit bureau and have it rremoved should take about 2 to 3 months for the whole process.
Yes you could be, or you might not be.
You may have lost a lot of weight
One's credit score is in a constant state of flux because any change in the credit report results in the bureau automatically recalculating your credit score. In general, assuming that one is not actively looking for new credit, is paying off their existing credit lines on time, is not growing balances and is not filing for bankruptcy, your score will change in a minor way every two-to-three (2-3) months.
They use Experian. I know because I had a 2nd mtge discharged in a bankruptcy 3 years ago and this year they started doing hard inquiries on my credit report every 2 months. These frequent inquiries are not helping my FICO score but they claim they have the right to do it.