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What else can I help you with?
Can private lenders report to a credit bureau?
Most private loans can not be reported to your credit report. This is because the system can be manipulated and the person would need a CRA to report it.
How can a person improve their scores at each credit bureau?
A person can improve their scores at each credit bureau by monitoring their credit reports at each bureau, paying their bills on time, living within their means, guarding against fraudulent use, and keeping accounts updated.
How does a person get bad credit?
By not paying your bills as agreed. Keep in mind that bad entries are reported to the credit bureau if you are over 30 days late from making a payment but make sure that you payment get posted prior to 30 days. Example if you have a car note and its due on the 9th of each month, it will not get reported to the credit bureau unless a payment is not posted by the 8th of that next month as long it will not go over 30 days. You will have to pay late fees but it won't affect your credit. Source: Credit Bible by Phil Turner.
How can you get a live person on the phone at a credit bureau?
If you call a credit bureau and get the automated system, you can press 0 to speak to a live person. Sometimes you have to press 0 several times before someone will answer.
Who do you contact first to remove a tax lien from a credit report?
Tax lien will show paid--it won't be removed unless it was there in error or you have gone to court and had a judge state that it has to be removed.AnswerWhen a tax lien is removed because it's paid, the credit agency that reported it can be advised. Go to your local IRS office with the information and they can notify the credit bureau that has reported the lien on you. This happened to me once and the IRS updated the lien information with the credit bureau. I did all this person-to-person, it worked better than the telephone. AnswerAnything on your credit report can be disputed at anytime. It all depends on whether it gets verified or not on whether it comes off or not.
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#.
If a person is 4 months late on a car payment can it be reported stolen?
NOT unless it was stolen. Stolen cars are reported stolen. Cars securing a loan in DEFAULT are reported as DELINQUENT to the credit bureau. If you choose to report the car stolen, go ahead. I would not reccommend it though. Filing a false police report is illegal in most jurisdictions.
Can an individual change someone elses credit report?
Individuals may not submit changes to a credit bureau, however, any business entity (INCLUDING sole proprietorships, which may only be one person) that is a member of the credit bureau may report tradeline information.
What type of credit card to become an authorized user to help raise credit score?
Having an authorized user card does not help the authorized user's credit bureau score. ie) if I had good credit and I gave someone an authorized user card, that person's purchases would be on my statement and I would be responsible for the other person's purchases. If I don't pay for the other person's purchases, it would reflect on my credit bureau negatively as not paying on time and be charged interest.
Can a person in arrears be denied a passport even if no action has been taken by the parent owed support dcse or any other entity and nothing has been reported to credit bureaus employers myself?
It does require a court order.
When Cosigner pays lender how can name be cleared with credit bureaus?
When a co-signer has to pay a debt for a person, that person's credit will suffer because they were the initial person the lender wanted the money from. It is possible to ask for proof that the debt was paid and send it to the reporting credit bureau to clear a person's name, but it is not always easy to get this type of debt removed from a credit report.
What is cibil?
CIBIL stands for Credit Information Bureau India Limited. It is a credit reporting company in India. CIBIL collects information about a persons loans, payments, debts..etc, and then compiles a credit report about that person.
