Aleaha S asked:


I’m in washington, I want to know what a potential landlord is allowed to look at on my credit report? Are they allowed to look at everything?

Zachary

angelfirebird_91 asked:


I’m going for a Home Loan and have a low score and 3 things on my credit report were paid already.

April

koreanqt81 asked:


Okay, the story. Company ABC sends a delinquent account (if value matters, then less than $250) over to collections. The customer pays the debt through the collections bureau. Customer requests that the account be deleted from credit report because this account is listed as a negative item, even after payed in full. When the customer makes this request to the collections bureau, they say ABC has the authority to delete it, not them. When customer calls ABC, he is told once the account goes to collections there is nothing they can do, hence collections has the power to authorize this deletion. After a boring game of phone tag with these companies, customer is FRUSTRATED!

So who has the authority to delete this account from a credit report? And is there an “exact” phrasing to get the said company to accept this authorization and get it deleted?

Jared

lydia w asked:


I have recently ordered my free credit report. But did not see a credit number written anywhere on it. Where exactly is the credit score number written (on what page). And how do you know if its bad or not? The credit report didn’t say bad or good anywhere on it.

Yvonne

FORK F asked:


It’s MY credit so shouldn’t I have easy access to it? I know there are places that you can get an annual credit report but, I think, that’s only from one agency. And I know there are places you can pay for one as well but, again, it’s MY credit so shouldn’t I have access to it 24/7?

Donald

Dax Z asked:


If that is true that means saying the report will fall off 7yrs after is false. Why is the Fair Credit Act have that disclosure about the 7yr policy, doesn’t make any sense. I thought regardless if anything is paid off or not everything by law will be removed from your credit report upon completion of the 7yr mark. Anyone know anything?

Kristen

dayana a asked:


I need advice on how to remove negative marks off of my report. Right now all of the negative marks that appear on my report are at least 5-almost 7 years old and all but one has been paid after they were sent to collections. I currently am in good standing with the current credit that I do have (1 leased car and 5 credit cards). The negative marks on my report are all from when I was younger and did not understand the effects of not paying debt. I constatently monitor my report, and for some reason, I can not boast my score up from a 592. A few months ago I was actually at a 650 or so but I had a judgement posted from a medical bill I did not pay from when I was 19. I may need to speak with a professional as eventually I would like to buy a home and do not want to have an outrageous interest rate because of my past.
Please help

Brenda

Olga B asked:


I cosigned on a loan for my brother’s son. I just found out the he defaulted the loan and its now showing on my credit report I was never contacted by the finance company regarding the matter is there way I can have it removed from my report? My brother has made arrangements to pay them. Any suggestions?

Joyce

Slinkball asked:


I know that credit reports used to be scored by hand and delivered via the mail. When did it become common to pull credit on a computer and receive an instant report?

Tammy

newtobigd78 asked:


I’m curious to see what rate I would get on a car loan but wanted to make sure it doesn’t affect my credit score. I heard auto loan and mortgage credit checks don’t show up on your report (thus bringing down your score). Is this true?

Edwin