rachelle171986 asked:


My credit card account is currently in good standing but in November of 2006 I was 60 days past due. Your credit report shows your payment history for 7 years so this is showing as a negative on my credit report. I’ve heard that you can ask the credit card company to take it off without doing a “hard pull” or something on your credit. Please help!!

Lillian

deputy875 asked:


I just paid off a car through a lender that does not report to the credit bureau. I heard you can report it to the credit bureau, but I am not sure how. I have a copy of my payment history and contract, but not sure what all I will need and who to turn it in to?? Any suggestions?

Roberta

Sherry H asked:


I have a few old accounts on my credit report that were charged off. the original creditor & the collection agency that they sold the note to are both on my credit report looking like double the bad payment history. Can they do that?

Mildred

cynthiastewart asked:


1. Equifax, Experian and TransUnion: These three credit reporting agencies determine the credit worthiness of people in USA by making credit ratings for them.

2. Every person can receive one copy of credit report from each of the these credit reporting agencies absolutely free of cost.

3. To obtain free credit reports, a person needs to log in to the website www.annualcreditreport.com. This is the federal law authorized source to get a free annual credit report.

4. Individual credit reporting agencies viz. Experian, Equifax, TransUnion also provide credit report for a fees of about 10$ per report.

5. If you have been denied a credit, you can apply for free credit report from these three credit rating agencies.

6. The three different credit rating agencies maintain different credit reports and each one of them has to be obtained in order to get a comprehensive picture of your credit report.

7. Credit report has 4 different parts: identifying information about the individual, credit history, public records, and inquiries made to the credit file.

8. Identifying information includes your name and address, and social security number.

9. Credit history includes detailed list of each of the accounts you have and corresponding account numbers( the numbers can be encrypted). The other details shown on credit history will be the date of opening of account, the details of loans you took, total amount of loan, your payment history, the amount you still owe and the status of the account.

10. The public records part of your credit card describes the details regarding bankruptcies, judgments, and tax liens.

11. The inquiries section contains the details of enquiries lenders have made on your credit history in order to give you loan, or issue a credit card.

12. Contrary to popular belief, any errors in credit report can be corrected by applying to the credit rating agencies with a copy of the credit report and documents to substantiate your claim.

13. Any such claim has to be verified by credit rating agencies within 30 days of filing the dispute. If they are not able to do so the mistake has to be removed from your credit report.

14. If the credit rating agencies like the Experian, Equifax and TransUnion still find the information correct, all is not lost. You can contact the creditor for dispute settlement.

15. If the creditor finds that the remarks in credit history are incorrect they will get it corrected by reporting the same to credit rating agency.



Keith

Anna Josephs asked:


Free annual credit report is a report of all your yearly financial transaction and its help you to know where do you actual stand at the year end.

If anyone is looking for large purchasing like automobile, furniture or home this credit report will help you in easy transaction of anything. It’s totally depended on what is there listed on your credit report.

Equifax, Trans Union and Experian are three major finance agencies which is most commonly used by the merchant to report you yearly payment history. To get more information about these sites you can visit their website.

You may need to have some information about your yearly transaction or about your loan accounts you can refer three sites of finance bureau. You may get frustrated to refer three sites for few questions.

Earlier no one was entitle to receive even a single copy of their own credit report, but now law has made it enable to receive a copy of your credit report. You have fill their online form with all your correct information and with in few minutes you can see your credit report.

Make sure that you fill all the details correct as some people gives false information about their credit account number and all if its so then your form will get rejected and you wont be possible to get your credit report, so try to avoid all such things and save your time. And if you have any problem you can directly contact their customer service by calling.

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



Marion