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What else can I help you with?
Where can one do a credit history check?
There are several ways to find out your credit report online you can use credit report for free with a 7 day trail or you can go to annual credit report you can recieve that once a year for free.
How long can a repossession stay on your credit report?
This is tricky. There is no actual listing of the repossession on your credit report. There is a notation in relation to the debt owed. For example: say you borrowed the money for your car from ABC Bank. ABC Bank will then show as a credit action on your report. Next to that will be the balance of the debt, potentially the length of the contract, and a month by month code of your payment history in terms of thirty day payments. If the loan is defaulted, this will be noted. If the vehicle is repossessed, this will be noted as well. If no judgment is obtained, the notation will remain for seven years from the date of last payment. In the event of a judgment, it will remain for ten years.
Can a satisfied judgment be taken off of your credit report?
A satisfied judgment can be taken off your credit, if it is inaccurate. If the judgment is yours, it will remain for the full reporting period allowed by law.Here is more advice:I have a satisfied judgment on my credit report. We satisfied this judgment 5 years ago. However, the plaintiff the judgment was awarded to, never bothered to give the court an order to mark the judgment satisfied. And I didn't know at the time that I could do it myself. I went down to the court Friday and gave them a 'request to vacate judgment' form. I have to wait a week to see if they will do it. If they don't, I'm taking the plaintiff in this judgment to court. I'm going to sue him for the amount of the satisfied judgment times the 5 years it's been reported to the credit bureaus. The credit bureaus are worthless and they are no help at all. They don't investigate anything. I found a lot of interesting websites with lots of info on how to fix errors on your credit report. If you want more info, email me and I'll send you a list of the URLs I found.The previous answer was a bit scary. Credit reporting is not the responsibility of the judgment plaintiff, nor the courts, nor the bureaus themselves. If a consumer is sued over financial matters that typically show on a credit report (judgments, tax liens, foreclosures and bankruptcies) those actions need their proper disposition. Obtaining that disposition is not anyone else's responsibility. It is up to the defendant to find out what steps to take to clear their credit. A lawsuit for failing to do so would most likely be unsuccessful.The lawsuit that he is speaking of is true and is valid, when and only after you have requested in writing, from the person who has put the Judgement on you, the filing of a satisfaction of Judgement, if they do not file within 14 day of receiving the written request then you can sue for the amount of the Judgement Plus 50 dollars according to California state law Code of Civil Procedure section 116.850. (116.850. (a) If full payment of the judgment is made to the judgment creditor or to the judgment creditor's assignee of record, then immediately upon receipt of payment, the judgment creditor or assignee shall file with the clerk of the court an acknowledgment of satisfaction of the judgment. (b) Any judgment creditor or assignee of record who, after receiving full payment of the judgment and written demand by the judgment debtor, fails without good cause to execute and file an acknowledgment of satisfaction of the judgment with the clerk of the court in which the judgment is entered within 14 days after receiving the request, is liable to the judgment debtor or the judgment debtor's grantees or heirs for all damages sustained by reason of the failure and, in addition, the sum of fifty dollars ($50).)Regarding the above note: Successfully petitioning for a Motion to Satisfy Judgement does nothing more than show that the judgment was satisfied within the negative entry in your credit report. It will remain in your Credit Report (showing satisfied) for 7 years as allowed by law. Now, if someone knows in DETAIL (please be specific with your answer along with Links if referenced) how to truly remove a satisfied/paid judgment within the 7 years then please let us all know.It should be removed automatically after seven years, but even a judgment that's satisfied can't be removed before then. Your credit history - the good and bad - is reported for a period of seven years.I went through the same situation with a satisfied judgment that wasnt updated by the plaintiff. However, I found the credit bureaus helpful b/c I was able to go online and dispute it through annualcreditreport.com along with other stuff I know I paid. They updated it within a week and I had about 5 accounts updated (even some I know I still owed) I pays to stay on top of your credit, some companies may change names, lenders, go out of business (you never know) So, my advice is to dispute it on your credit report. Anyway, Good Luck with your lawsuit.I agree with the above. I recently disputed a judgment that was satisfied but it wasn't being reported that way and they just deleted it.A satisfied judgment should stay on your credit report for 7 years from the last activity. It can only be removed by the court that placed in on your credit report or by the credit bureau reporting it. You can request to both to verify the account is yours and if they judgment is not verified it can be removed.A satisfied judgment does not have to stay on for 7 years at all. This is a myth. You must understand the law. It states that derogatory entries can stay on your report for 7 years, not mandatory that it will. The key is can stay on!! That part of the FCRA is in place for people who do not check there credit regularly. So it gives a limit to the holder of the debt or plaintiff to pursue resolution to get debt paid!!! To get removed all you have to do is get notice from original plaintiff that through the courts the debt has been paid. They will acknowledge this and get you a statement letter of satisfaction. Take that letter to the court that rendered the Judgement and they will update. The next step is in writing contact the Credit Bureaus and show cause for a dispute! The cause will be that per the original plaintiff the derogatory entry should be moved. They will have to investigate this for you and when they call the original plaintiff they will not respond and the Bureau will remove within 31 days. I have helped people get over 20 judgments removed this way!
Can a private landlord report tenants to the credit agencies for damages and unpaid rent or a broken lease?
It is not likely that a private individual would qualify or pay the funds necessary to report a consumer to the three major credit bureaus, Equifax, Experian and TransUnion. However, if the landlord sued former tenants and was granted a judgment, the judgment would show on their credit reports. There are also alternative credit agencies, called Tenant Screening Bureaus, which cater to the rental market. These agencies have different clients than the "Big 3". A private landlord might find a way to report on one of these lesser known bureaus. A private landlord can report a tenant to credit agencies if the tenant failed to pay his rent or he has wrongfully overstayed without even paying a monthly rent. A 14-day written notice of broken lease and property damages may be given to tenant.
How many day you have to be behind to report late payment on credit?
normally 30 days
How long does a judgment stay on your credit report and does the time limit start from the day it is filed or from the day it's paid off?
== == A judgment will remain on a credit report for the full 10 years. If it is paid it will still show on the report as "satisfied" or similar wording. The time is determined by the date the judgment is issued.
Where can one do a credit history check?
There are several ways to find out your credit report online you can use credit report for free with a 7 day trail or you can go to annual credit report you can recieve that once a year for free.
How often should a credit report be done?
every day
Where can I view a free credit report?
You can view your free credit report at freecreditreport.com. The website does ask for a credit card and gives you a 30 day free trial.After your 30 day free trial you must contact them in writing to cancel your agreement or your credit card will be billed.
How long can a repossession stay on your credit report?
This is tricky. There is no actual listing of the repossession on your credit report. There is a notation in relation to the debt owed. For example: say you borrowed the money for your car from ABC Bank. ABC Bank will then show as a credit action on your report. Next to that will be the balance of the debt, potentially the length of the contract, and a month by month code of your payment history in terms of thirty day payments. If the loan is defaulted, this will be noted. If the vehicle is repossessed, this will be noted as well. If no judgment is obtained, the notation will remain for seven years from the date of last payment. In the event of a judgment, it will remain for ten years.
If you have one thirty day late on your credit report how many points could it reduce your credit score by?
40
If they repo your car after one day late how does it appear on your credit report?
as a repossession
How do you explain late payments?
When you are late on your payment for a credit card, car loan, mortgage, etc... these "creditors" can report this late payment to the credit bureau that they have a relationship with (either Trans Union, Experian, or Equifax).These credit bureaus in turn stick it on your credit report which negatively affects your credit score.There are30 day late payment items,60 day late payment items,and 90 day late payment items.Many people remove these items by disputing them with the credit bureau (the credit bureau then has 30 days to go back to the creditor to verify the late payment). Sometimes it works and sometimes it doesn't.
Can a satisfied judgment be taken off of your credit report?
A satisfied judgment can be taken off your credit, if it is inaccurate. If the judgment is yours, it will remain for the full reporting period allowed by law.Here is more advice:I have a satisfied judgment on my credit report. We satisfied this judgment 5 years ago. However, the plaintiff the judgment was awarded to, never bothered to give the court an order to mark the judgment satisfied. And I didn't know at the time that I could do it myself. I went down to the court Friday and gave them a 'request to vacate judgment' form. I have to wait a week to see if they will do it. If they don't, I'm taking the plaintiff in this judgment to court. I'm going to sue him for the amount of the satisfied judgment times the 5 years it's been reported to the credit bureaus. The credit bureaus are worthless and they are no help at all. They don't investigate anything. I found a lot of interesting websites with lots of info on how to fix errors on your credit report. If you want more info, email me and I'll send you a list of the URLs I found.The previous answer was a bit scary. Credit reporting is not the responsibility of the judgment plaintiff, nor the courts, nor the bureaus themselves. If a consumer is sued over financial matters that typically show on a credit report (judgments, tax liens, foreclosures and bankruptcies) those actions need their proper disposition. Obtaining that disposition is not anyone else's responsibility. It is up to the defendant to find out what steps to take to clear their credit. A lawsuit for failing to do so would most likely be unsuccessful.The lawsuit that he is speaking of is true and is valid, when and only after you have requested in writing, from the person who has put the Judgement on you, the filing of a satisfaction of Judgement, if they do not file within 14 day of receiving the written request then you can sue for the amount of the Judgement Plus 50 dollars according to California state law Code of Civil Procedure section 116.850. (116.850. (a) If full payment of the judgment is made to the judgment creditor or to the judgment creditor's assignee of record, then immediately upon receipt of payment, the judgment creditor or assignee shall file with the clerk of the court an acknowledgment of satisfaction of the judgment. (b) Any judgment creditor or assignee of record who, after receiving full payment of the judgment and written demand by the judgment debtor, fails without good cause to execute and file an acknowledgment of satisfaction of the judgment with the clerk of the court in which the judgment is entered within 14 days after receiving the request, is liable to the judgment debtor or the judgment debtor's grantees or heirs for all damages sustained by reason of the failure and, in addition, the sum of fifty dollars ($50).)Regarding the above note: Successfully petitioning for a Motion to Satisfy Judgement does nothing more than show that the judgment was satisfied within the negative entry in your credit report. It will remain in your Credit Report (showing satisfied) for 7 years as allowed by law. Now, if someone knows in DETAIL (please be specific with your answer along with Links if referenced) how to truly remove a satisfied/paid judgment within the 7 years then please let us all know.It should be removed automatically after seven years, but even a judgment that's satisfied can't be removed before then. Your credit history - the good and bad - is reported for a period of seven years.I went through the same situation with a satisfied judgment that wasnt updated by the plaintiff. However, I found the credit bureaus helpful b/c I was able to go online and dispute it through annualcreditreport.com along with other stuff I know I paid. They updated it within a week and I had about 5 accounts updated (even some I know I still owed) I pays to stay on top of your credit, some companies may change names, lenders, go out of business (you never know) So, my advice is to dispute it on your credit report. Anyway, Good Luck with your lawsuit.I agree with the above. I recently disputed a judgment that was satisfied but it wasn't being reported that way and they just deleted it.A satisfied judgment should stay on your credit report for 7 years from the last activity. It can only be removed by the court that placed in on your credit report or by the credit bureau reporting it. You can request to both to verify the account is yours and if they judgment is not verified it can be removed.A satisfied judgment does not have to stay on for 7 years at all. This is a myth. You must understand the law. It states that derogatory entries can stay on your report for 7 years, not mandatory that it will. The key is can stay on!! That part of the FCRA is in place for people who do not check there credit regularly. So it gives a limit to the holder of the debt or plaintiff to pursue resolution to get debt paid!!! To get removed all you have to do is get notice from original plaintiff that through the courts the debt has been paid. They will acknowledge this and get you a statement letter of satisfaction. Take that letter to the court that rendered the Judgement and they will update. The next step is in writing contact the Credit Bureaus and show cause for a dispute! The cause will be that per the original plaintiff the derogatory entry should be moved. They will have to investigate this for you and when they call the original plaintiff they will not respond and the Bureau will remove within 31 days. I have helped people get over 20 judgments removed this way!
Can a private landlord report tenants to the credit agencies for damages and unpaid rent or a broken lease?
It is not likely that a private individual would qualify or pay the funds necessary to report a consumer to the three major credit bureaus, Equifax, Experian and TransUnion. However, if the landlord sued former tenants and was granted a judgment, the judgment would show on their credit reports. There are also alternative credit agencies, called Tenant Screening Bureaus, which cater to the rental market. These agencies have different clients than the "Big 3". A private landlord might find a way to report on one of these lesser known bureaus. A private landlord can report a tenant to credit agencies if the tenant failed to pay his rent or he has wrongfully overstayed without even paying a monthly rent. A 14-day written notice of broken lease and property damages may be given to tenant.
How many day you have to be behind to report late payment on credit?
normally 30 days
When will a 30 day late show on a credit report?
When you creditor updated your trade line
