Who is capable of reporting you to a credit bureau?? Any business?only certain businesses..how does that work?
145731
Actually any one can do it. If you owe a business money and you decide not to pay it most businesses instead of going to court will give it to a collection agency which intern sends you a nice letter and then if you dont pay it they put a nice spot on your credit.  Yes you know about any borrowing institututions who do it regually.  But through a collection agency almost anyone can.  If you see any you can dispute it though.
930017
You can build credit very fast by using a method called piggybacking. \n\nYou are simply asking someone to add you as an authorized user and all of their payment history is added to your report. \n\n\n\n\nRead this article that teaches it: http://www.expert-credit-advice.com/building_credit.htm\n\n\nAnd its not a scam, its free but It requirers the trust of someone though...
29216
get ur credit report from all 3 places.equifax, experion, and there is one more..can't think of the name. Check it. Maybe there is things on there that should not be, if so, tell them and the credit place will have to place a rebutal on there and then you will have time to figure that out. Also place a FRAUDULENT ALERT ON THE REPORT. The agencies will have to contact you before anything is placed or bought.  And if there is things on the report over 7 years, call them and explain to them, most of the time, they will take it off. In some cases, the place you had credit with probably doesnt exist anymore and when the credit ppl send a inquiry, it will come back unanswered and they will have to clear it off of the report. keep a check on ur credit every year. each agency will send you one report free yearly. hope it helps
292803
You can check with your credit bureau, too.
1118488
They actually get a compilation of your score- though a bank I worked for looked at Equifax mostly. \nGenerally consumers cannot check each other's credit scores,  though there is an avenue that homeowners can use to check credit before allowing renters to rent from them.  Again, it would be more of a compilation of your score from all 3 credit bureaus.  But generally for renting you don't need as high of a score as you would for buying a home.
1047712
They basically do a background check on you to see what crimes you have committed and yes your credit...sounds like you have nothing to worry about though
587402
Ha ha that guy was funny!  Anyway..........I went on myfico.com and paid the $50 or so bucks to order all three credit reports.  It will show you what is on your reports.  Then it has an interactive area where it can give suggestions on how to improve your scores.  For example, it showed me that if I paid off one of my credit cards, it would raise my score 100 points.  I did and it worked.  I also found several discrepancies on my reports and the program generates a letter for you to each agency telling them what you want to dispute and most of the times they will just remove the item from your report, raising your scores.  After fixing several things on my reports, my scores jumped.  I bought a house the first time I applied for a loan, just after a year of working on my credit scores.  You also need to get references so make sure you are being a good renter!  A little prayer wouldn't hurt either.  Good luck and God Bless!
315291
Reports of past credit activity/accounts remain on your report "even after they have been transferred/cancelled/paid off/closed, whatever. The little stars that mark your "on time payments" may even continue to be added until some future date when they decide to remove or settle the older acccounts that no longer have bearing on your credit worthyness. Look at the section in the beginning of the report where it sums up all of the accounts. Make sure that the accounts you mentioned have no negative effect on your credit worthyness. Another thought is that you may have come across a composite report that takes two or three of the major credit bureaus and compiles their data into a "report." This could appear as if accounts are doubled. \n\nBut also be aware, mistakes do happen with credit reporting and sometimes it is a good idea to give them a call for a bit of clarification.
587640
I am in the business of helping people with credit and I can tell you the fastest, most effective way to do it. First, get the addresses for all 3 credit bureaus. They are Equifax, Experian and Empirica. Once you have their addresses, make copies of all documentation and send it to them. Explain everything to them in full detail. This is the most direct way to get it off your credit. All 3 bureaus must be contacted to guarantee the removal. If you want to go online through their website then you'll have to scan your receipts and do the same thing. Happy trails!
191249
Don't do it! Go in person to the bank or loan company, you don't know who might get your credit info. And why can't he take care of him self?
173884
Yes, they can check your credit report with your permission.....)(
49348
If you have a creditor that you already owe - they can periodically check on your record but they don't get in depth reports.  You have to give a company permission to pull a credit report on you.  If you don't they don't have the right to do so.  \n\nWhen you get offers in the mail that say you are qualified (not sure if this is what you question has to do with)  but those offers are not based on your total credit report.  It is only based on basic info that is not totally private.  It is a prelimiary kind of credit worthiness they look for.  Like maybe if you fall within a certain group (with a certain fico score or something) they will send you offers just incase you are interested in them.
1080785
This "credit score" is a number factor, that credit bureaus have on you. Any thing you have ever financed, a home, car, an installment sales contract ie, furniture bought at a store going through a finance company will report your opening balance, monthly payments, current balance, and if you have ever been late. This also includes your Soc. Sec #, address, etc. \n\nIt will also include any collections, ie hospital bills that were never paid, doctors, electric, phone companies, etc. \n\nA credit card debt , is like having a Visa or Mastercard, Discover, Sears, American Express, etc. These are also reported to the credit bureaus.
959364
No, there is no charge from a retailer to you to report your credit activities.  (If anyone tries to charge you, tell them to get lost.)\n\nAs a general rule, if you have to supply your social security number to a company in order to obtain credit from them, they will most likely be reporting how well you repay them to one or more of the credit reporting agencies.\n\nHere is an article that will hopefully clear things up for you.\n\nhttp://www.FastLender.com/article/credit-report.aspx\n\nGood luck!\n\n.
773840
www.creditboards.com/forums has helped some people with this.  Also, www.rewards660.com, and www.sendvisa.com (total visa) only report to Transunion, this is also the one they pull.  www.myimaginecard.com reports to all 3 bureaus and they don't pull any of them
850809
They're like a data bank that stores credit information.  They are not credit granters.  Your lenders report your credit history to them so that other companies can see how you treat credit.  The bureaus only hold the info and release it.
786381
Not sure how you would do this, but could you do a background check on yourself to see if there is anything there incorrectly?  There are tons of cases of credit reports being flawed.  Isn't it possible that a background could have false information in it?\n\nIf they found something, they certainly should have told you.