Tag Archives: Credit Bureaus

How does a creditor post items to your credit report?

jaliahbug23 asked: I live in Arkansas and I recently bought some property from a used car dealer in Texas. I paid on time every month and when I had extra to pay, I paid it. I had it financedfor 5 … Continue reading

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The Quickest Way to Repair My Credit Report and Rating

Tony Banks asked: Repairing your credit report and rating is important especially when you are thinking of making a big purchase such as a house or a car. In this article I will give you a few strategies you can … Continue reading

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Removing a Bankruptcy from Your Credit Report

Chane Steiner asked: A bankruptcy can have a devastating effect on your credit score. A bankruptcy listing on your credit reports to many lenders is the only thing they need to see to determine you are completely unworthy of credit.Many … Continue reading

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How to Challenge Items on My Credit Report

Tony Banks asked: The process of challenging items on your credit report is not as difficult as it may seem. In this article I will review the steps necessary to accomplish this task so that you can get approved for … Continue reading

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How Long Does it Take to Repair My Credit Report?

Tony Banks asked: The truth of the matter is that repairing your credit can take some time but its surely not impossible, it takes time for a few reasons. If you discover that there are errors on your credit report … Continue reading

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How Long Do Late Payments Stay on My Credit Report?

Tony Banks asked: Late payments do affect your credit rating but what most consumers don’t know is that it also depends on how late your payment is made to the creditor. To start with, late payments that are made to … Continue reading

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Credit Repair – Having Collection Accounts Deleted From My Credit Report

Tony Banks asked: Most people are unaware of the fact that it is possible to delete collection accounts from their credit report. Collection accounts can be one of the easier negative items to delete if you have the proper information.Deleting … Continue reading

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Charge Offs – Dispute and Remove Off Your Credit Reports

Matt Triplett asked: Creditors charge off accounts all the time to avoid being responsible for the debt you owe them. They have every right to do it, but it would be nice if they tried to negotiate payments with you … Continue reading

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How to Legally Remove A Judgment From Your Credit Report

Peter M. Johnson asked: If you have judgments against you on your credit report, you have two choices. Pay and get a satisfaction of judgment or dispute them with the credit bureaus.A civil judgment is a court order for a … Continue reading

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Does Incorrect Information on My Credit Report Lower My Credit Score?

Tony Banks asked: Unfortunately the credit bureaus do not tell anyone the exact formula they use to calculate your credit score because people will take advantage of this system. For this reason, it is a good idea to have any … Continue reading

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Can credit bureaus report late payments after a sheriff sale?

David H asked: I had a foreclosure back in 1/07. My credit report shows the foreclosure; however, is reporting late payment after the sheriff sale. It shows the final date of 11/07. Is there anything I can do?Edward

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Credit Report

Mike Clover asked: What is in a credit report? A credit report is a snapshot of your current obligations to creditors. These creditors include credit card companies, mortgage companies, banks, and retail stores. Lenders are permitted by law to check … Continue reading

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Free Credit Report and Credit Score

Isabel asked: Free Credit Report and Credit Score indicate the creditworthiness or financial position of a person. Initially there was strict prohibition to disclose the credit report and score. But due to development in business skills and policies many retailers … Continue reading

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Free Instant Credit Report

Isabel asked: What is a Free Instant Credit Report?Some may know that credit report is actually your credit history. It contains the data collected from various sources by the credit bureaus. Credit report gives detailed information about financial position in … Continue reading

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How To Prevent Errors on Your Credit Report

Liz Roberts asked: Whenever somebody applies for credit or financing, his or her credit report will be pulled electronically from any of the three major consumer reporting agencies (CRA). These CRAs are Experian, Trans Union, or Equifax – companies that … Continue reading

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Get Your Credit Report

Brad Stroh asked: Get Your Credit Report & AnalysisIt is very important to get your credit report and analysis. Why is this important? For one thing, if you’re thinking about buying a house or applying for credit for any other … Continue reading

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Free Instant Credit Report

Tom Cruise asked: Some may know that credit report is really your credit confirmation. It contains the data collected from different sources by the credit bureaus. Credit report gives full information about financial place in your business life. Finding free … Continue reading

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