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Not usually, though if payments were made late on a regular basis or the landlord/management company had to send your account to a collection agency to get rent or damage fees, that information will be reported to a credit reporting agency and thus appear on a credit report.
Regular paying of rent does not appear, just address and previous addresses if any.
What else can I help you with?
If you get married how will your credit reports and bankruptcy affect your future spouse's perfect credit?
Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.
Why are there three different credit reports?
Because there are three major credit repositories that keep credit histories. Each of them should have the same information but in real life they usually differ slightly.
Will closing your checking and saving accounts to open checking and savings accounts with another bank affect your credit rating?
No credit reports only report debt not assets. Checking and saving account information does not appear on credit reports so will not affect your credit score.
Regularly Monitoring a Credit Score Report?
Lenders and prospective employers check credit score reports to determine if people qualify for loans and employment. Credit score reports serve as indicators of financial responsibility based on the history of transactions appearing on each report. Because credit score reports influence many aspects of peoples� lives, these reports should be correct and not show any debts or failures to pay that should not appear. The best way to ensure that credit score reports are correct is to monitor them regularly. People can request their own credit score reports through the three major credit score reporting agencies once per year.
How many free credit reports are you entitled to in a year?
Each person is eligible for three free credit reports a year. These reports are available from the following credit reports bureaus: Equifax, Experian, and TransUnion.
If you get married how will your credit reports and bankruptcy affect your future spouse's perfect credit?
Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.
Why are there three different credit reports?
Because there are three major credit repositories that keep credit histories. Each of them should have the same information but in real life they usually differ slightly.
Do felonies show on credit history report?
No, felonies do not appear on credit reports. Credit reports typically include information on credit accounts, payment history, and public records related to financial matters such as bankruptcies or tax liens. Felonies are criminal matters and are not part of credit reports.
Where can people find credit rating histories?
You can get a credit rating history by checking your credit scores. Most states allow you to get a copy of your credit report once per year. You can visit www.equfax.com, www.experian.com, and www.transunion.com to apply for those reports.
What credit reports other than a Tranunion credit report are considered part of the big three?
Experian, Tranunion and Equifax are the 3 credit bureaus that are updated regularly by creditors. Credit bureaus are agencies that have billions of credit histories on consumers and commercial entities.
Will closing your checking and saving accounts to open checking and savings accounts with another bank affect your credit rating?
No credit reports only report debt not assets. Checking and saving account information does not appear on credit reports so will not affect your credit score.
Can banks or building societies default you for a bank account and put this info on credit reports?
I'M NOT SURE ABOUT BUILDING SOCIETIES, BUT I KNOW THAT BANK ACCOUNTS THAT ARE IN DEFAULT WILL APPEAR ON YOUR CREDIT REPROT. TAX LIENS, JUDGMENTS WILL ALSO APPEAR ON YOUR CREDIT REPORT.
If you use MBNA Cleansweep for 10K debt but need a co-applicant can the co-applicant's credit be hurt?
Yes. The debt will appear on the co-applicant's credit reports
Are credit reports online reliable?
Credit reports online are reliable. These reports are taken from the same three major credit bureaus that lenders will pull their own reports from.
If you sign an apartment lease as a cosigner and you will not be living at the apartment will this show up on your credit report?
So long as your apartment is paid and current, such leases will not appear on your credit report. However, should you or the person you are guaranteeing become delinquent, there are several ways in which this information can appear on the credit report. In some states, landlords work directly with collection agencies, in which case it would show up a a delinquency and tarnish your score. In other situations, your name may be mention as a party to an eviction or legal proceeding, something which may show up in other searches that accompany credit reports, such as eviction history, or certain criminal background checks. The best suggestion is if you don't have to guarantee or cosign, don't do it unless you can afford to pay for that person should they become delinquent on their obligations.
Regularly Monitoring a Credit Score Report?
Lenders and prospective employers check credit score reports to determine if people qualify for loans and employment. Credit score reports serve as indicators of financial responsibility based on the history of transactions appearing on each report. Because credit score reports influence many aspects of peoples� lives, these reports should be correct and not show any debts or failures to pay that should not appear. The best way to ensure that credit score reports are correct is to monitor them regularly. People can request their own credit score reports through the three major credit score reporting agencies once per year.
Will an auto loan that has multiple borrowers appear on each of the borrowers credit reports?
Yes. If there are multiple borrowers responsible for the loan, regardless of how they are part of the loan (either co-signer or a joint borrower), the status of the auto loan will appear on their respective credit reports. However, if the auto loan is guaranteed by another person other than the borrower, the guarantor will NOT have the auto loan appear on their credit report UNLESS the loan goes into default.
