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How do you find out who you owe on your credit report to improve your credit score?
When you pull your credit report you will notice at the very last pages of this report your creditor informaiton. This includes the name if the creditor, address, and phone number.
Can you ask your creditor to report new balances to the credit bureau?
No.
What does HC mean on a credit report?
HC on a credit report means High Credit. This is the highest amount of money a creditor has issued to you in the past.
What if a creditor is not on your credit report but trying to collect a debt?
You must pay all of your legitimate debts. A creditor is not required to report a debt to a credit bureau in order to collect the debt you owe.
May a creditor report the debt to a credit rating agency after the debt is time-barred?
Generally speaking, at some point the creditor is not going to spend the money to keep a deragatory on your credit report. In the case of Bankruptcy it stays on you credit report for 10 yeas. In the case of foreclosure it stays on your credit report for 7 years.
How do you find out who you owe on your credit report to improve your credit score?
When you pull your credit report you will notice at the very last pages of this report your creditor informaiton. This includes the name if the creditor, address, and phone number.
Can you be a creditor and only report on one company?
Yes. There are no laws stating that any creditor has to report to any more than one credit bureau (and the creditor is allowed to choose which one to report to).
Can you ask your creditor to report new balances to the credit bureau?
No.
Can a creditor report you to the credit bureau for 150?
Yes, they can report you for any amount they are owed.
What does HC mean on a credit report?
HC on a credit report means High Credit. This is the highest amount of money a creditor has issued to you in the past.
How do you remove charged off from your report?
Only the original creditor or the credit bureaus can remove a charge off from a credit report. You can negotiate to have them removed with the original creditor if they will let you. You can also dispute it to the credit bureaus and they will have 30 days to verify the listing or it must be removed from your credit report.
What if a creditor is not on your credit report but trying to collect a debt?
You must pay all of your legitimate debts. A creditor is not required to report a debt to a credit bureau in order to collect the debt you owe.
If your debt with a judgment against you has been sold can the judgment still be on your credit report from the original creditor effecting your credit report twice?
No, it's the same account and the new creditor is simply taking over the same rights as the original creditor.
May a creditor report the debt to a credit rating agency after the debt is time-barred?
Generally speaking, at some point the creditor is not going to spend the money to keep a deragatory on your credit report. In the case of Bankruptcy it stays on you credit report for 10 yeas. In the case of foreclosure it stays on your credit report for 7 years.
What is an outstanding judgment on a credit report?
An outstanding judgment is a court order that gives a creditor the legal right to collect from a debtor. As court judgments are a matter of public record, a creditor can report the judgment on the debtor's credit reports. An example of a judgment placed on a credit report would be a judgment for eviction. This judgment will remain on the credit report for seven years from the filing date.
What is the procedure for a creditor to be listed on a credit report?
== == Call that creditor and request for them to report your information with all three bureaus. Be aware that not all creditors will do this, but it does not hurt to try.
My husband is incarcerated. can you pull his credit report?
No only he can pull his credit report but him or a creditor with a permissible purpose, if you do and use his info it is considered fraud.
