czar_girl asked:


Our tenant abandoned her lease and we would like to make sure it is on her credit report, we know we are not likely ever to see a cent of the money due to the fact that she is under bankruptcy, but we would like to make sure it is on her record.

Eddie

Ryan asked:


If you are about to dispute credit report errors, here are some tips to get the results you want quickly.

1. Review your credit report periodically and be prepared to dispute credit report errors. It is common for information on your credit report to be inaccurate, and it can affect your ability to get a loan and the amount you have to pay to borrow money.

2. Only order your credit report form the official Annual Credit Report site. Any other website that offers a “free annual credit report” only does so when purchasing one of their products or signing up for a free trial that will automatically bill you after 30 days. The Annual Credit Report site is completely free and allows instant access to your current credit report.

3. After reviewing your credit report contact the credit reporting agency, in writing, about the information you believe to be inaccurate. Send a copy of your credit report to support your claim, and keep copies of all documentation for yourself.

4. Send your letter via certified mail so you have proof that the information was sent and a record of when the reporting agency received it. By law they have 30 days to review your claim and get back to you with a final determination.

5. If your claim is accepted, the information on your credit report will be removed and your credit score should improve. Upon request, the credit reporting agency must send a notice of the corrections to anyone that received your report within the last 6 months.

6. Keep an eye on your credit report going forward. Just because you dispute credit report errors and win, that does not prevent the creditor or lender to put the negative information right back on your file. If this occurs, you will have to start the process all over again.



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iltmaemc asked:


I heard that eveyone is allowed one FREE credit report a year.
but all the internet companies charge a monthly fee to monitor
if there is a change in your credit.?
They say FREE credit report only $29.95

Carlos

matthew l asked:


I know it affects your credit score negatively everytime you APPLY for something (car, loan, credit card) and they check your credit report to see if you qualify and you end up not qualifying.

But does it affect your credit score if you request your own credit report just FOR YOUR INFORMATION, to make sure everything is accurate? I know it costs you money, but does it affect your credit score?

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Emily S asked:


My boyfriend has been trying to clear his credit. He has written to all of the companies on his credit report that he owes money to, in hopes of negotiating settlements. One company will not respond to him. He has written them twice since August, certified mail. He has gotten both receipts back signed but no response from the company. How does he go about getting them removed from his credit report?

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