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If a date of birth is incorrect on a credit report does that person have to pay what is listed on the credit report?
If you owe a debt nothing on the CR will negate it. The fact that a birthdate is erroneous is not important. Except in the sense that a minor (someone under 18) cannot enter into contracts. Of course if someone gave the wrong birthdate in order to receive credit and they were a minor at the time, that might constitute fraud. Be that as it may, the birthdate is for most purposes irrelevant.
What else can I help you with?
Is it true you are responsible for correcting any errors on your credit report?
Yes, if there is an incorrect information in your credit report, you have the right to dispute it and if proven correct, the credit bureau will not report it again.
How can you remove delinquent utility bills from your credit report?
You can only remove bills if you pay them or if the bills are listed incorrectly on your credit report. It is best to pay them off and then the bills will not be listed as delinquent.
What is an open account listed on a credit report?
Open Account - account listed as "open" on your credit report are accounts that are open, includes all accounts that have been reported within the last 90 days.
Can a creditor misrepresent themselves on the credit report?
Misrepresenting any form of information in a credit report is incorrect and a crime too. Irrespective of who is misrepresenting the information, doing so is wrong.
How can a person get their credit report score for free on an annual basis?
A person can get their credit report score for free on an annual basis by applying online at a credit report site that will offer free credit reports. Someone can fill out a report online, or mail one to a business that offers free annual credit reports.
How can you remove incorrect information on your credit report?
you cant
Is a co-signer's credit better than the credit of the person listed 1st on the loan?
Lenders look at the middle credit score of the person with the worst credit score and not the person with good credit. You can get a free credit report from www.freecreditreport.com every 12 months from all 3 credit agencies. Look for any duplicate or erroneous items on your credit report and dispute them.
Is it true you are responsible for correcting any errors on your credit report?
Yes, if there is an incorrect information in your credit report, you have the right to dispute it and if proven correct, the credit bureau will not report it again.
How can someone dispute a repossession off a credit report?
The credit reporting companies have a dispute form that you can use to dispute anything that is wrong on your credit report. Ask for this form or send a letter detailing the information in your report and explain why it is incorrect. They will investigate the matter and send you their findings. If it is incorrect they will remove it from your report.
How long are credit cards listed on your credit report?
7-10 yrs
Can an chapter 7 be disputed through a credit bureau due to an incorrect SSN?
Not if the bankrupcy actually belongs to the person on whose report it shows. The credit bureau will simply correct the SS#.
How can you remove delinquent utility bills from your credit report?
You can only remove bills if you pay them or if the bills are listed incorrectly on your credit report. It is best to pay them off and then the bills will not be listed as delinquent.
How would you find the available credit limit for cardholder?
Listed besides card on credit report
What should you do if a creditor listed on your credit report is no longer at the location shown on the report?
Sumbit a dispute based on inaccurate information and let the credit report agency find them for you.
What does it mean says NE beside your credit hours?
The NE next to on your credit report stands for new credit. The hour you received the credit is not listed on a credit report, just the date and where you opened the credit line.
Can an original creditor have a debt removed from your credit report in exchange for payment even though it is already listed as a collection account?
It can't be removed from your credit report even if you pay in full. It will say "settled" and paid in full, but the red marks will still show other creditors that you had some trouble with this debt. It will take the full 7 years to clean up. *Once again the person who made the report to the credit bureau can have it removed as an invalid or incorrect entry. It also is not always seven years.
Can you get it off my credit report immediately for a reposseion last year?
If the repossession contains unverifiable, incorrect, incomplete, or misleading information, the account may be deleted from your credit report.
