I have been thinking ahead lately and I want to buy a house when I m older and I want to take care of anything now that might stop me later on so I would like to find out how to pay things that I have on my credit report. Can anyone help me out??Please!?!
How can I find what is on my credit report and begin making payments on it?
Go to the following website to get your free credit report.. http://www.annualcreditreport.com
Any inofrmation that you believe to be inaccurate, you can dispute with the credit agency. Anything you know for sure you owe, you should contact the company to make payment arrangements. Good luck!
Reply:First step is to see what is on your credit report. A national law was passed a year or two ago entitling eveyone to a free report from each of the three credit bureaus each year. Goto www.annualcreditreport.com and get one of the reports and see what is on it.
Reply:Don't pay based on a credit report -- it could be incorrect, or simply not up to date. Do as the answerer above said and get a copy of your credit report.
Then, as bills come in, put them in a specific place and go through them. Check them against the credit report and make sure that there aren't other accounts NOT yours on the credit report. Paying bills late is what can mess you up when buying a house, so be sure to stay current! Good luck.
Reply:go to equifax.com and request a credit report - you can dispute any errors online etc... you can also order your credit score which will give you an idea of any issues.
Genealogy
Wednesday, March 17, 2010
After negative credit remarks are removed from your report how long does it take for your score to go up?
I recently discovered several errors on my credit report and paid of all remaining balances. I sent dispute letters and the errors/negative marks were deleted. Now I just need to find out how long it it will take for my score to go up.
After negative credit remarks are removed from your report how long does it take for your score to go up?
Your score is a "snapshot" at one period of time. It is computed from what is on your credit report at the time the score is calculated. It does not look at anything that WAS on your report and is no longer there.
If you sent the dispute to the Credit Reporting Agency(TransUnion, Equifax, Experian) and they removed it. That is done as soon as they agree that it was an error.
If you sent the dispute to a creditor and they said they will correct it. You will have to wait until the creditor sends updates. This is usually at least once a month, but depending on when you sent the dispute it might be a couple of months if you are between their updates.
Reply:Usually reports are updated every 30 days so look at 30-60 days dependent upon the time of the month they where submitted and verified
Reply:You are responsible for building it back up.Errors even once removed affect your rating until you build it back up.Lease a car.Buy furniture on a payment plan.Make purchases with your card and pay the balance before it's due.
After negative credit remarks are removed from your report how long does it take for your score to go up?
Your score is a "snapshot" at one period of time. It is computed from what is on your credit report at the time the score is calculated. It does not look at anything that WAS on your report and is no longer there.
If you sent the dispute to the Credit Reporting Agency(TransUnion, Equifax, Experian) and they removed it. That is done as soon as they agree that it was an error.
If you sent the dispute to a creditor and they said they will correct it. You will have to wait until the creditor sends updates. This is usually at least once a month, but depending on when you sent the dispute it might be a couple of months if you are between their updates.
Reply:Usually reports are updated every 30 days so look at 30-60 days dependent upon the time of the month they where submitted and verified
Reply:You are responsible for building it back up.Errors even once removed affect your rating until you build it back up.Lease a car.Buy furniture on a payment plan.Make purchases with your card and pay the balance before it's due.
How long does it take to get something off my credit report that I alread paid?
I'm going for a Home Loan and have a low score and 3 things on my credit report were paid already
How long does it take to get something off my credit report that I alread paid?
7 years from your last activity. So, if you had bad credit, and in the 6th year you thought you were being a good person and paying it off, you get bad credit for another 7 years.
Also, a good resource is this one...
http://buildcredit.ifastnet.com
Have a nice day.
Reply:You can ask the company who put the negative rating on your credit report to remove it. They will do it within a couple of months depending on the exact circumstances.
After my divorce my ex opened a credit card with me as the co-signer (probably faked my signature) and then defaulted on it which showed up on my credit report. I got in touch with the Bank and after giving me a hard time initially (...only the primary card holder can remove you from the card etc.) they removed me from his credit card and erased the negative rating on my credit reports. Hope this helps.
Reply:When applying for a home loan your credit report will be reviewed and you may be required to provide a number of other details, including: Employment and income records, Tax Returns for the last few years List of assets, List of liabilities and what you owe, Your budget showing monthly living expenses so that you can demonstrate an ability to pay.
http://www.worldbestloans.com/homeloans....
With this information you and your lender will be able to determine the kind of home loan and size of the right mortgage for you. In some cases, you can obtain a pre-approval or pre-qualified certificate, which shows how much you can borrow so that you can then shop for homes in an appropriate price range.
Reply:A low score usually only makes a half a point difference, so its not a big deal. Some lenders won't penalize you at all if the negative report has been over 3 years.
It varies based on the type of negative, paid late, not paid, collection and paid, or collection and unpaid.
Reply:Hello I am dan peterman by name, the M D of dan loans Venture , i am a Reputable, Legitimate %26amp; an accredited money Lender.I give out loans to individuals and companies in need of financial assistance.Do you have a bad credit or are you in need of money to pay bills? You can use this medium to solve all your problems as i render reliable beneficiary assistance and will be glad to offer you a loan at low interest rate. Services Rendered include: *Refinance *Home Improvement *Inventor Loans *Auto Loans *Debt Consolidation *Horse Loans *Line of Credit *Second Mortgage *Business Loans *Personal Loans *International Loans Please write back if interested. Upon Response, you'll be mailed a Loan application form to fill. (No social security and no credit check, 100% Guaranteed!) I Look forward permitting me to be of service to you. You reach us via e-mail:danpeterman13@yahoo.com
Reply:Hello Every One,
I am Patience Andrew by name, I live in Switzerland, just a few month ago I was in search for a loan of $ 40,000 Dollars, as my family was running out of money for feeding and my Business. I was scammed about $7,500 Dollars and i decided not to involve my self in such business again , finally A colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and i am most grateful am i today, i was given a loan amount of 70,000 Dollars by this great firm Joseph Micro finace managed by Mr.Joseph Matthew .
If you are in need of a ganuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via email.
josephmatthew@maktoob.com
and you will be free from scams in the internet.
Reply:It can take up to 7 years but you can go contact the companies that you paid off and they will give you a letter of credit stating that your bill was paid and when it was paid. Hope this helps I had to do the samething for my home loan.
Reply:You will have to check with the reporting agency, as they each have different rules about what stays on and when it is no longer reported. But it is usually 7 years before incidents disappear from record.
How long does it take to get something off my credit report that I alread paid?
7 years from your last activity. So, if you had bad credit, and in the 6th year you thought you were being a good person and paying it off, you get bad credit for another 7 years.
Also, a good resource is this one...
http://buildcredit.ifastnet.com
Have a nice day.
Reply:You can ask the company who put the negative rating on your credit report to remove it. They will do it within a couple of months depending on the exact circumstances.
After my divorce my ex opened a credit card with me as the co-signer (probably faked my signature) and then defaulted on it which showed up on my credit report. I got in touch with the Bank and after giving me a hard time initially (...only the primary card holder can remove you from the card etc.) they removed me from his credit card and erased the negative rating on my credit reports. Hope this helps.
Reply:When applying for a home loan your credit report will be reviewed and you may be required to provide a number of other details, including: Employment and income records, Tax Returns for the last few years List of assets, List of liabilities and what you owe, Your budget showing monthly living expenses so that you can demonstrate an ability to pay.
http://www.worldbestloans.com/homeloans....
With this information you and your lender will be able to determine the kind of home loan and size of the right mortgage for you. In some cases, you can obtain a pre-approval or pre-qualified certificate, which shows how much you can borrow so that you can then shop for homes in an appropriate price range.
Reply:A low score usually only makes a half a point difference, so its not a big deal. Some lenders won't penalize you at all if the negative report has been over 3 years.
It varies based on the type of negative, paid late, not paid, collection and paid, or collection and unpaid.
Reply:Hello I am dan peterman by name, the M D of dan loans Venture , i am a Reputable, Legitimate %26amp; an accredited money Lender.I give out loans to individuals and companies in need of financial assistance.Do you have a bad credit or are you in need of money to pay bills? You can use this medium to solve all your problems as i render reliable beneficiary assistance and will be glad to offer you a loan at low interest rate. Services Rendered include: *Refinance *Home Improvement *Inventor Loans *Auto Loans *Debt Consolidation *Horse Loans *Line of Credit *Second Mortgage *Business Loans *Personal Loans *International Loans Please write back if interested. Upon Response, you'll be mailed a Loan application form to fill. (No social security and no credit check, 100% Guaranteed!) I Look forward permitting me to be of service to you. You reach us via e-mail:danpeterman13@yahoo.com
Reply:Hello Every One,
I am Patience Andrew by name, I live in Switzerland, just a few month ago I was in search for a loan of $ 40,000 Dollars, as my family was running out of money for feeding and my Business. I was scammed about $7,500 Dollars and i decided not to involve my self in such business again , finally A colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and i am most grateful am i today, i was given a loan amount of 70,000 Dollars by this great firm Joseph Micro finace managed by Mr.Joseph Matthew .
If you are in need of a ganuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via email.
josephmatthew@maktoob.com
and you will be free from scams in the internet.
Reply:It can take up to 7 years but you can go contact the companies that you paid off and they will give you a letter of credit stating that your bill was paid and when it was paid. Hope this helps I had to do the samething for my home loan.
Reply:You will have to check with the reporting agency, as they each have different rules about what stays on and when it is no longer reported. But it is usually 7 years before incidents disappear from record.
Are the negative marks on your credit report suppose to come off after 7 years?
In 2/2001 I had a judgement against me for a credit card bill. Today I received a letter in the mail saying they were going to try to garnish me. Can they do that or does that have to come off my credit report since it was 7 years ago exactly?
Are the negative marks on your credit report suppose to come off after 7 years?
If you never paid off the judgement,then they can garnish you. The judgement "may" come off your credit report - but that does not mean it's gone away. Also, if they are taking additional action, it may go back on your credit report again.
You should always pay your debts!!!
Reply:nothing comes off your credit unless it has been paid off totally and then it is still a long process and as far as a judgment those take even longer. Credit is tricky and once it is messed up it is twice as hard and three times as long to fix it. Good luck
Reply:It's seven and a half years. I read it at http://www.bankrate.com or whatever my source is called. It said seven and a half! OK?
Reply:Dobber - Where did you get your information? Your answer couldn't be more wrong. You definetly need to do some research.
Judgements and other negative marks fall off your credit report 7 years from the date of delinquency, or in the case of a judgement, from the day it was filed.
Now every court has different rules when it comes to judgements and how long they last and if they can be renewed, that is something you'd need to contact the courts about. Either way, it should be off your credit report. Once that 7 year reporting period is up you are free and clear when it comes to the credit score.
Aubreigh - It's 7 years. That 180 day period is how long the creditor must wait to list the charge off on the account, it doesn't extend the 7 years. Don't feel bad though, lots of people confuse it.
Reply:From what i understand, it's 7.5 years.
Reply:It looks like they would still have the ability to garnish your wages, but the judgement should come off seven years after it was filed. There is usually a lag from the time something is supposed to come off to when you actually see if reflected on your credit report.
Are the negative marks on your credit report suppose to come off after 7 years?
If you never paid off the judgement,then they can garnish you. The judgement "may" come off your credit report - but that does not mean it's gone away. Also, if they are taking additional action, it may go back on your credit report again.
You should always pay your debts!!!
Reply:nothing comes off your credit unless it has been paid off totally and then it is still a long process and as far as a judgment those take even longer. Credit is tricky and once it is messed up it is twice as hard and three times as long to fix it. Good luck
Reply:It's seven and a half years. I read it at http://www.bankrate.com or whatever my source is called. It said seven and a half! OK?
Reply:Dobber - Where did you get your information? Your answer couldn't be more wrong. You definetly need to do some research.
Judgements and other negative marks fall off your credit report 7 years from the date of delinquency, or in the case of a judgement, from the day it was filed.
Now every court has different rules when it comes to judgements and how long they last and if they can be renewed, that is something you'd need to contact the courts about. Either way, it should be off your credit report. Once that 7 year reporting period is up you are free and clear when it comes to the credit score.
Aubreigh - It's 7 years. That 180 day period is how long the creditor must wait to list the charge off on the account, it doesn't extend the 7 years. Don't feel bad though, lots of people confuse it.
Reply:From what i understand, it's 7.5 years.
Reply:It looks like they would still have the ability to garnish your wages, but the judgement should come off seven years after it was filed. There is usually a lag from the time something is supposed to come off to when you actually see if reflected on your credit report.
When a company runs my credit am I entitled to the report?
I just applied for a loan with my credit union. Although we were approved I wanted to see what my credit report said. I was told they can't give out that information (even though it was my own credit!). I thought I had heard that anytime someone runs my credit I'm entitled to the results. I live in California. Is this true?
Here's another caveat, my credit union has no branches in California. I believe the loan was handled in their Oregon branch. If some states do have a law that requires the company to allow me to see my credit report is the law of the consumer's state enforced or the branch's state?
Thanks!
When a company runs my credit am I entitled to the report?
I think its only if u were truned down.. and u can always get a copy from www.annulcreditreport.com and happy for u..
Reply:If during the course of your loan transaction, you paid a fee for your credit report, then YES you are entitled to a copy of that report.
Reply:You are correct in that, when you apply for credit, you are notified by letter and, or in person, of the creditors decision to accept or deny you credit, based on your credit score. However, if you are approved and want to obtain a copy of your credit report, it will cost you. If you are turned down, you are entitled to get a copy of your credit report from all three major credit reporting agencies, for free!
Reply:The credit union pays for your report and they are not obligated to give you a copy, however you are entitled to a free copy from the credit report agency since your credit was pulled. You would need to contact them to receive a copy.
Reply:They are not required to show you the credit report at all. I don't beleive there is any state that gives you that right if you were approved. However, no matter what state you live in if you were declined they are required to send you a letter as to the reasons why. You then can send that letter to the Credit Reporting Agency that they got the information from and the agency will send you a free copy.
You can also go to http://www.annualcreditreport.com to get your credit report for free. You are allowed 1 per year from each of the 3 agencies(TransUnion, Experian, Equifax)
lilac
Here's another caveat, my credit union has no branches in California. I believe the loan was handled in their Oregon branch. If some states do have a law that requires the company to allow me to see my credit report is the law of the consumer's state enforced or the branch's state?
Thanks!
When a company runs my credit am I entitled to the report?
I think its only if u were truned down.. and u can always get a copy from www.annulcreditreport.com and happy for u..
Reply:If during the course of your loan transaction, you paid a fee for your credit report, then YES you are entitled to a copy of that report.
Reply:You are correct in that, when you apply for credit, you are notified by letter and, or in person, of the creditors decision to accept or deny you credit, based on your credit score. However, if you are approved and want to obtain a copy of your credit report, it will cost you. If you are turned down, you are entitled to get a copy of your credit report from all three major credit reporting agencies, for free!
Reply:The credit union pays for your report and they are not obligated to give you a copy, however you are entitled to a free copy from the credit report agency since your credit was pulled. You would need to contact them to receive a copy.
Reply:They are not required to show you the credit report at all. I don't beleive there is any state that gives you that right if you were approved. However, no matter what state you live in if you were declined they are required to send you a letter as to the reasons why. You then can send that letter to the Credit Reporting Agency that they got the information from and the agency will send you a free copy.
You can also go to http://www.annualcreditreport.com to get your credit report for free. You are allowed 1 per year from each of the 3 agencies(TransUnion, Experian, Equifax)
lilac
Civil Claims Judgement on credit report 20 years later-How can this be?
I just recently looked at my credit report and there is a civil claims judgment that was put on there in 2005. It turns out to be from an apartment I rented in 1985- twenty years ago. This was not on my credit report prior to 2005. The judgment is for $1500.00. It has to be a rent dispute, but I actually do not remember.
Wouldn't there be a statute of limitations on this, usually 7 years?
The rental was in the state of Arizona.
Civil Claims Judgement on credit report 20 years later-How can this be?
Yes their is a statute of limitation as to how long a creditor can file a court case to collect a debt and under the most lenient state laws the longest I've seen on a written contract debt is 10 year. Check here http://www.bankrate.com/brm/news/cc/2004... or with your Clerk of court to verify your state law. However, it is your burden to raise statute of limitation as a defense when sued. Expiration of SOL is an absolute defense no matter what the original payment dispute entailed. However, to date the courts have not ruled that is illegal for a creditor tp sue you for a time-barred debt.
The judgement was obtained in default since you did not respond or come to court. You can try to get the judgement vacated for lack of service, since the time for appeal has long passed. If thiss is not granted then there is little else you can do. The judgement can stay on your credit report for 10 years maximum. You may want to check whether your state allows wage garnishments to collect judgements if you are not able to get the judgement vacated.
Reply:If there was a judgment put there, then you are stuck as judgments start clocks rolling again. I can't tell you how this came to be, except maybe some landlord contacted a collection agency with a ambulance chasing attorney.
I think that it is scary.
Reply:Judgments can not stay on your credit report longer then 7 years. Send a dispute letter to the credit bureau and demand it be deleted.
Reply:You could file a motion to vacate based upon lack of service. There is a clock running on how long you have to file based on your State rules so check them.
Wouldn't there be a statute of limitations on this, usually 7 years?
The rental was in the state of Arizona.
Civil Claims Judgement on credit report 20 years later-How can this be?
Yes their is a statute of limitation as to how long a creditor can file a court case to collect a debt and under the most lenient state laws the longest I've seen on a written contract debt is 10 year. Check here http://www.bankrate.com/brm/news/cc/2004... or with your Clerk of court to verify your state law. However, it is your burden to raise statute of limitation as a defense when sued. Expiration of SOL is an absolute defense no matter what the original payment dispute entailed. However, to date the courts have not ruled that is illegal for a creditor tp sue you for a time-barred debt.
The judgement was obtained in default since you did not respond or come to court. You can try to get the judgement vacated for lack of service, since the time for appeal has long passed. If thiss is not granted then there is little else you can do. The judgement can stay on your credit report for 10 years maximum. You may want to check whether your state allows wage garnishments to collect judgements if you are not able to get the judgement vacated.
Reply:If there was a judgment put there, then you are stuck as judgments start clocks rolling again. I can't tell you how this came to be, except maybe some landlord contacted a collection agency with a ambulance chasing attorney.
I think that it is scary.
Reply:Judgments can not stay on your credit report longer then 7 years. Send a dispute letter to the credit bureau and demand it be deleted.
Reply:You could file a motion to vacate based upon lack of service. There is a clock running on how long you have to file based on your State rules so check them.
How do I find a lender who placed a charge-off on my credit report?
I have been cleaning up my bad credit for some time and I found a charge from fleet CC on my report. I am fairly sure that the debt was paid, but I don't know how to contact the company to research the issue. I got this off my experian report.
How do I find a lender who placed a charge-off on my credit report?
As mentioned, the name and address of the creditor who posted to your credit report should be on your copy of the credit history.
If not, contact the credit reporting agency and dispute it again, but this time demand that they supply you with the means in which they investigated this complaint. In other words, who did you talk to and where are they located.
Failure to supply this information is a violation of the FCRA.
Reply:The contact info for all creditors reporting to the bureaus on your report is located at the bottom of the credit report.
Reply:800-390-7445........they merged with Bank of America
Reply:On the credit report there is a list of contact information for each creditor that submits information. Some provide phone numbers, other provide only address to mail your dispute. Look at the tail end of the credit report. The information is not listed where the account info is listed.
Reply:At the end of your credit report there should be a listing of all the lenders with their contact numbers for both those that have extended you credit and made inquiries as to your credit. Check there first.
Reply:You need to file an dispute on your credit report, contact Experian and talk to customer service about this.
Reply:You dispute it with Experian.
How do I find a lender who placed a charge-off on my credit report?
As mentioned, the name and address of the creditor who posted to your credit report should be on your copy of the credit history.
If not, contact the credit reporting agency and dispute it again, but this time demand that they supply you with the means in which they investigated this complaint. In other words, who did you talk to and where are they located.
Failure to supply this information is a violation of the FCRA.
Reply:The contact info for all creditors reporting to the bureaus on your report is located at the bottom of the credit report.
Reply:800-390-7445........they merged with Bank of America
Reply:On the credit report there is a list of contact information for each creditor that submits information. Some provide phone numbers, other provide only address to mail your dispute. Look at the tail end of the credit report. The information is not listed where the account info is listed.
Reply:At the end of your credit report there should be a listing of all the lenders with their contact numbers for both those that have extended you credit and made inquiries as to your credit. Check there first.
Reply:You need to file an dispute on your credit report, contact Experian and talk to customer service about this.
Reply:You dispute it with Experian.
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