ariel_okinawa asked:


In other words, my bankruptcy was discharged at the end of March, when will the credit report relect which accounts were thrown out in the bankruptcy?

Thanks!
DAS: I know that the items stay on the credit report, but they will have a note indicating that the were included in the bankruptcy so that any future creditors can see that the debt is not outstanding.

Randy

Lynn asked:


When I view my report, I find a list of creditors pulling my report for whatever reason. I don’t think its fair that people can pull your credit report anytime they feel like it. I’ve noticed that I also get a bunch of junk mail from some of these same people. What can I do to stop them from getting my information without my permission?

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Dionna asked:


I got a letter from a collection agency dated 10/17/06 telling me about charges I owed from a phone I had in 2003. The charges are bogus because the account was paid. I’m disputing the charges, but I don’t want the negative report on my credit report because I’m trying to buy a house right now. They haven’t showed up as of yet even though the agency now appears as one of my creditors. Any ideas on how long it will take for the actual account to show up? Thanks!

Credit Report

darko_d1 asked:


I have heard and read things regarding medical bills on credit reports. I have heard they they shouldnt affect credit and things of that nature. My girl has 8 negative things on her credit report, 6 of them are ambulance and medical bills. Can these be removed? As of now they are not paid and are with creditors.

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Anna Josephs asked:


Looking for a free yearly credit report? Many companies are selling credit repair secrets, credit repair “kits” and other information about credit issues because everyone wants good credit, many people have bad credit and most people do not know whom shall they contact and where to go for more information if they need help.

Credit report copy can be obtained from any or all of the three national credit reporting agencies that gather the information. If your installment debts consist entirely of amounts owed to large lenders—major credit card companies, banks, automobile manufacturers’ finance companies—chances are you only need to obtain a report from a single agency.

If you want a quick check of your credit report and score from just one of the three national credit bureaus you can get it but if you owe money or have recently paid off credit obligations to smaller creditors you should obtain credit reports from all three companies. The reason, said Storm, is that “creditors pay money to the reporting agencies to list your credit information. Most large companies report to all three agencies, but smaller companies may only report to one or two of them.”

One of the credit repair secrets that companies are selling is information about obtaining your credit report. You are entitled to a yearly free copy of your credit report. If you want to attempt to repair credit issues, obtaining your credit report is the first step.

It is a good idea to review the information on your credit reports on a regular basis even if you have excellent credit. A recent law has made it easier. You can view and print copies of your credit.

Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well. Currently writing for this website Free Yearly Credit Report

. For more details please contact at annajosephs@gmail.com



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Mike Clover asked:


Checking your free credit score report is probably one of the hottest topics these days. With the average American not being rich, and at times in need of a loan, they need to keep there credit score healthy. There will be situations where someone will need to pull your credit report. If you have bad credit, it may not be a good experience for you. There is lots of talk about annualcreditreport, but there is not much talk about not getting your credit score there. Annualcreditreport does provide you with a free credit report from all 3 credit bureaus, but you don’t get your scores. You can get this report once a year for free. A lot can happen to your credit report during a year’s time. Here are some examples.

Inaccurate credit report

Studies show that inaccuracies are common in credit reports and can harm your ability to get loans. Inaccurate information on your credit will cause harm to your credit rating. When your credit rating is jeopardized, so is the ability to get loans, good interest rates, or even that new “Dream Job.” Often there is human error involved in the reporting process. Creditors pay someone to report information about you. At times this information may have been keyed in incorrectly, and as a result your credit score drops.

Identity Theft Protection

Someone’s identity is stolen every 3 seconds. If you think about that, someone could be stealing your identity as you read this article. That is pretty scary. If an identity thief has got your information currently and is out using your credit, how would you ever find out without pulling your credit report? Maybe someone is out opening credit in your name, and charging up stuff. What ever the thief is doing, you are probably not going to find out about it until it’s too late. If you get credit report monitoring services set up, you would get e-mail alerts when critical changes take place to your credit report. Critical changes like someone opening credit in your name and out having a field day with your credit.

Conclusion:

Checking your credit report should not be a scary thing, it should be a positive thing. If you are managing your credit properly, then you will pull your credit in confidence. You will be able to go to creditors and get good interest rate loans with ease. Since a lot can happen to your credit in such a short time, you should get a copy of your free credit score report every 60 to 90 days. Checking your credit report once a year is asking for a disaster, and is total disregard for what is really going on out there Protect yourself by staying on top of your report. I would not wait for it to happen to you, check your free credit score report today.



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John Mcfadden asked:


A Credit Report is essential for ever adult. It allows you information one your own financial position to allow lenders to give you credit. If you are about to apply for a loan then it’s strongly recommended that you access your report up to six months before taking out the loan. This is advised because you will have time to correct any wrong information and pursue ways to lift your credit score on your credit report.

Getting a loan is essential in this day and age so if you want to head on the path of financial freedom (don’t we all) then it’s important you know what a Report is all about and how you can best make use of the information, this seems fairly logical so you’ll be surprised to find out that over 75% of Americans don’t know their Credit Score! and 20% have never even seen their Credit Score! So if you are reading this article then you are probably ahead of most people and therefore will get to the financial freedom path faster then most.

There are three main Report Bureaus that you can access your credit report from. It’s important that you don’t ask for your credit score as if you want get a free copy of your report.

The three Report Bureaus are: Experian (formally TRW), then Equifax, and TransUnion.

It’s very important to understand what your credit report is exactly made up of. Here is a list of the following ingredients:

Payment History 35%

Amount Owed 30%

Length of Credit History 15%

New Credit 10%

Types of Credit Used 10%

It’s important you know the ways to improve your credit score, so follow the following tip to get your score as good as it can be so creditors will only be too happy to loan your the money for your new house, with them being very confident you can make the repayments back. It most likely will provide you with a better interest rate and your terms and loan conditions will also be improved.

Credit Score Improvement Tips.

Refrain from getting loan consolidations.

This will effectively kill off you past history on all the loans you’ve had, seeing that your credit report and score’s biggest factor and most important figure is your past payment history, then you need to maintain loans and finish them off with the financial institution you took them out with.

Keep Old Accounts

This is similar to the above point but with a difference. It’s important I point out to you that having several accounts or lets say credit card accounts for example. The total available credit when compared to what you ow on the cards is a ration that the credit report will factor in to work out your Credit Score. The less that ration is - of if it surpassed a factor of 1 then you are bankrupt. So if you move over our debts on credit cards to one which has a lower interest rate it may be good for you in the short term but not in the long - as your available credit to debt become higher and there for a negative.

Resist the temptation for getting in store credit cards

Having many in store cards will show that your not the best saver and that your credit worthiness is not excellent. It could be a hit of as much as 20 points on your credit report rating. It also lowers your age of credit for each card.

I hope this information on getting your credit report has helped and you see the importance of your credit report and credit score.



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