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What else can I help you with?
If someone runs your credit report can you get a copy of it from them?
There are many web-sites that will provide you with a copy of your own credit report if you ask for it ! You don't need to wait for someone to run your details through a credit agency - you can get your own report any time you want to.
Why are the three credit report agencies important?
The three credit report agencies are important because they provide report on your credit and if you encounter fraud, they are the agency that you should report to in order to prevent further damage on your credit card.
If you settle an old credit card debt with a collection agency paying the negotiated price in full will the collection agency remove the collection from your credit report?
No the collection will not be removed from the credit report. They will show it paid in full.
How does a company report someone to the credit bureau?
The original creditor either sells the debt to a collection agency or the collection agency may aquire the debt on a contingency basis. At any rate once the account is in collections 30 days from the date of turn over the collection agency has the right to report the account to the credit bureau. Accounts are sent to the credit bureau via internet with encrypted files.
How do you report someone who owes you money to the credit reporting agencies?
If you are not a company that reports unpaid debts to the credit bureau's, you can turn the debt over to a collection agency who does report. The other way is to obtain a judgment against them and it will automatically be reported by the courts.
How do I report a debt to a credit agency?
To report a debt to a credit agency, you can contact the agency directly and provide them with the necessary information about the debt, such as the amount owed and the creditor's details. The agency will then update your credit report with this information.
If someone runs your credit report can you get a copy of it from them?
There are many web-sites that will provide you with a copy of your own credit report if you ask for it ! You don't need to wait for someone to run your details through a credit agency - you can get your own report any time you want to.
Does a credit agency have to notify you of money due before they report to the credit agency?
No
Can a collection agency remove debt from my credit report?
No, a collection agency cannot remove debt from your credit report. Only the credit bureaus or the original creditor can remove the debt from your credit report.
Has the credit reporting agency mistakenly reported you as deceased on your credit report?
If a credit reporting agency has mistakenly marked you as deceased on your credit report, you should contact them immediately to correct the error.
How many times can a collection agency inquire on your credit report?
Unless you have given a collection agency written permission to pull a full credit report they are in violation of credit laws.
How can I check someone else's credit score?
To check someone else's credit score, you typically need their permission and personal information to access their credit report through a credit reporting agency like Equifax, Experian, or TransUnion.
Is there a dollar amount for collection agency's to report to the credit bureau?
A collection agency can report you to the credit bureau for any amount of money. There are agencies that will report for amounts under a hundred dollars.
Can a collection agency remove a collection from your credit report?
Yes, a collection agency can remove a collection from your credit report if they agree to delete it as part of a settlement or negotiation.
How many years can a collection agency still pull your credit report?
A collection agency can't access a credit report w/o the permission of the party involved. They may try to mislead someone into believing they are able to do so, and that is a violation of the FDCPA and should be reported as such.
What do I have to do to get a free annual credit 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.
Why doesn't your credit information show when someone is trying to get your report?
Your credit information may not show up when someone tries to access your report for several reasons. One possibility is that you have a credit freeze in place, which restricts access to your credit report. Additionally, if you have a limited credit history or have not established credit accounts, there may simply be insufficient data to generate a report. Finally, errors with the credit reporting agency could also prevent your information from being displayed.
