In 2004 a copy of my Driver%26#039;s License, Social Security card and Birth certificate were stolen from the outgoing mailbox at my apartment complex and so I put a fraud alert on my credit reports.
3 years later (now), I recieved a copy of my credit report and it has an apartment listed in my name that I%26#039;ve never rented before. I contacted the collection agency to dispute this. I told them that I%26#039;ve been at my current address for over 4 years and have rental documents to prove it. He said that being able to prove where I%26#039;ve lived over the past 4 years doesn%26#039;t mean anything because people have many different addresses.
I%26#039;ve disputed this with all 3 credit bureaus as well. My question is how can I prove that I did not lease this apartment. The rental contract that was mailed to me has ALL of my information regarding my employement, emergency contact info and current address on it. The signature even looks exactly like mine but I know it%26#039;s not.|||Show them your driver%26#039;s license and your social security card to the credit bureaus, typically it%26#039;s a mixed file so they will remove it if you can prove it%26#039;s not yours. Also, do you have a police report to reflect the stolen items, that will help a LOT.|||If its worth fighting see if you can get an attorney,|||stop talking to them, write them a letter and tell them
that you have a right to ask them not to call you, to validate
the debt, and if they can%26#039;t validate and pursue collections
(a copy of your lease is what they need for proof) without
validating it, you will sue them back
www.creditinfocenter.com|||SHOW WHERE YOU WERE LIVING AT THAT TIME INCLUDE CANCELLED RENT CHECKS AND GAS AND ELECTRIC SERVICE
Monday, 9 February 2009
What good is getting the "free credit report" if they don't give you your FICO score?
I got the %26quot;free credit report%26quot; from Equifax but what they gave me doesn%26#039;t tell me my score - for that I have to pay a fee. And let%26#039;s face it, that 3-digit number is the only thing you really want to know! That%26#039;s hardly %26quot;free,%26quot; wouldn%26#039;t you say?|||I thought Equifax was the one bureau that gave you the free FICO score with your credit report within the trial period before paying for any upgrades. Ofcourse if you have left it longer then you would have to pay the fee. If you are keen to really know you FICO score it is well worth thr trouble of getting it. By improving your FICO score over all can mean huge savings on your monthly interest payments, ranging from car loans to mortgages. Think of the thousands you could be saving yearly by having a higher FICO score.|||Credit report and FICO score are two totally different things. Credit report only shows you who and what going on with your credit. The 3 big credit bureau (equifax, experian,and transunion) views the history of your report to come out with your FICO score.|||The credit score is not %26quot;the only thing you really want to know.%26quot; You need to check all the information to make sure its correct. That information determines the credit score.|||Try this service to check your score - http://creditreport.fateback.com
I use it to monitor my credit score during last 3 years. And also cleaned off some bad items from my credit report.
I use it to monitor my credit score during last 3 years. And also cleaned off some bad items from my credit report.
Can a creditor report a debt to credit bureaus as past due after it has been discharged thru bankruptcy?
Is this a violation of the Fair Credit Reporting Act? Some creditors will correct the information on the credit reports, but then they will come back again later on and report the original balance as past due. And then I will have to dispute it all over again. How can I stop the creditors from doing this?|||NO they cant this is a violation of the fair credit reporting act, Contact your bankruptcy attorney and have him/ her send a letter of discharge for that debt , and that should clear things up
you should not have to dispute it once it has cleared bankruptcy,
the bankruptcy will show up on your credit report for the next 10 years tho|||It should be a pain in the ***, stop being a leech.. You should have paid them what you owe.|||Apparently you disputed this account and woke things back up. What I did was kept on disputing it. It eventually came off.|||Just call the bureaus and tell them it was included in your BK then it will show as included or automatically fall off the fall if your BK time is up on your credit......Good Luck|||It stays on 7-10 years after the discharge date of the bankruptcy.
you should not have to dispute it once it has cleared bankruptcy,
the bankruptcy will show up on your credit report for the next 10 years tho|||It should be a pain in the ***, stop being a leech.. You should have paid them what you owe.|||Apparently you disputed this account and woke things back up. What I did was kept on disputing it. It eventually came off.|||Just call the bureaus and tell them it was included in your BK then it will show as included or automatically fall off the fall if your BK time is up on your credit......Good Luck|||It stays on 7-10 years after the discharge date of the bankruptcy.
Can a paid tax lien be removed from my credit report?
Ok, I am guessing not but I read a few anwsers to a question the same as mine and they were saying it would be removed when paid. I am in Minnesota. Should have a great credit score but this paid tax lien is really holding us down on our credit report. Any help would be great. It was paid this year.|||Your ability to have a tax lien removed is slim. The fact you paid it will help some. The older that account gets the less it will affect your score. The aging process is the key . You need to get new credit even if its a secured credit card.The new credit will age the tax lien and time will take its course. The process of playing with the irs is not usually a good one. The dispute process might work for a few months but it will get relisted. Get a score moniter if you dispute and when the score goes up (short period) buy what you need. Good Luck|||Yes it can be removed, but it will not just fall off, and I would try to dispute it within the next year of so. By then since it is inactive, and paid, they may put it in the archives, or just get rid of it. So, then I wold try and dispute it.
What is the website for obtaining a free credit report? Not the one that makes you join a service - just free
I don%26#039;t want to join a credit repair or watch service - I just want to get a free credit report from the credit reporting agencies. I understand one is entitled to get one free for their own use.|||There are three major credit report companies.. BUT.. justs by going to freecreditreport.com, you will find out who they are. By using freecreditreport.com, you would not be concerned about each individual credit report companies because the freecreditreport.com will use all three and you would find out their names when you use freecreditreport.com|||Now you can completely ERASE your bad credit and smash
all your debts using just 2 simple, %26quot;magic%26quot; letters!
BOTH are found just inside %26quot;My FREE Credit Repair!%26quot;
In straight-to-the-heart-of-it, down-to-earth,
realistic style, Howard L. Moreland reveals exactly
word-for-word, the exact 2 letters he%26#039;s used to help
countless people forever fix their credit, and smash
their debts! But now you can do it yourself FREE! (Just
with these 2 magic letters Howard gives you!!)
Howard L. Moreland guides you through the entire
process of completing each letter with the particulars
of your own unique situation – just fill out the forms
where he tells you – it%26#039;s just that simple!
Howard%26#039;s NEW ebook is expected to take the Net by storm
and surely shake up the world of credit and finance, so
be sure to be among the first to get your copy online
containing these 2 very %26quot;secret%26quot; magic letters NOW! ...
and before everybody else beats you to them!
You%26#039;ll learn exactly what you need and only what you
need as Howard doesn%26#039;t waste your time, but just gives
you instant, straight-forward directions showing you
how to erase all your bad credit %26amp; smash all your debts
-- and for FREE since you won%26#039;t have to use a so-called
%26quot;professional!!%26quot;
With FREE ***PROVEN*** LETTERS you have absolutely
nothing to risk and everything to gain, so find out how
to get started right away!!
To learn exactly how Howard does it and how you can do
it too, I HIGHLY RECOMMEND that you visit:
http://MyNetMarketingCenter.com/r/freecr...|||Try this one. I bookmarked it some time ago but I%26#039;ve never actually followed through:
https://www.annualcreditreport.com/cra/i...|||https://www.annualcreditreport.com/cra/i...|||free credit report .com. you have to sign up and there is a charge if you keep the service. You can opt out after you get your report. I did it a year ago and there was no cost unless you want your scores. The credit reporting agencies Equifax, Experian and Trans Union may have ways to get a free report if you log on to their web sites as well.|||www.annualcreditreport.com
all your debts using just 2 simple, %26quot;magic%26quot; letters!
BOTH are found just inside %26quot;My FREE Credit Repair!%26quot;
In straight-to-the-heart-of-it, down-to-earth,
realistic style, Howard L. Moreland reveals exactly
word-for-word, the exact 2 letters he%26#039;s used to help
countless people forever fix their credit, and smash
their debts! But now you can do it yourself FREE! (Just
with these 2 magic letters Howard gives you!!)
Howard L. Moreland guides you through the entire
process of completing each letter with the particulars
of your own unique situation – just fill out the forms
where he tells you – it%26#039;s just that simple!
Howard%26#039;s NEW ebook is expected to take the Net by storm
and surely shake up the world of credit and finance, so
be sure to be among the first to get your copy online
containing these 2 very %26quot;secret%26quot; magic letters NOW! ...
and before everybody else beats you to them!
You%26#039;ll learn exactly what you need and only what you
need as Howard doesn%26#039;t waste your time, but just gives
you instant, straight-forward directions showing you
how to erase all your bad credit %26amp; smash all your debts
-- and for FREE since you won%26#039;t have to use a so-called
%26quot;professional!!%26quot;
With FREE ***PROVEN*** LETTERS you have absolutely
nothing to risk and everything to gain, so find out how
to get started right away!!
To learn exactly how Howard does it and how you can do
it too, I HIGHLY RECOMMEND that you visit:
http://MyNetMarketingCenter.com/r/freecr...|||Try this one. I bookmarked it some time ago but I%26#039;ve never actually followed through:
https://www.annualcreditreport.com/cra/i...|||https://www.annualcreditreport.com/cra/i...|||free credit report .com. you have to sign up and there is a charge if you keep the service. You can opt out after you get your report. I did it a year ago and there was no cost unless you want your scores. The credit reporting agencies Equifax, Experian and Trans Union may have ways to get a free report if you log on to their web sites as well.|||www.annualcreditreport.com
Should I remove old account information from my credit report?
There is old information on my credit report. It%26#039;s from a mortgage, paid off more than 7 years ago. Perfect payment history, never late. Will it help or hurt my credit score if I remove it from my credit report? Thanks for your help :)|||You want that paid-off mortgage to stay on as long as it will. It will keep your score as it is. In fact, when it naturally drops off, your score will probably decrease a little bit. It%26#039;s your words: payment history - which is 30% of your score.|||yes u can do this. way is very simple. convert ur old credit card for new once. by this way ur all old credit reports will be remove from new. take more advice from ur represtative. not sure about ur country. but in my country it is very famous way.
thanks
gaurav agarwal
www.myhardoi.blog.com|||why would you want to remove something from your report that says you are financially responsible? leave it there :)|||You can%26#039;t remove it, but why would you want to?
thanks
gaurav agarwal
www.myhardoi.blog.com|||why would you want to remove something from your report that says you are financially responsible? leave it there :)|||You can%26#039;t remove it, but why would you want to?
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