I looked at my credit report yesterday...?
823601
Enrolling in college to attend classes IS a contract.  Just because you didn't have a lawyer and were not handed a piece of paper that said "Contract" across the top, does not mean that your agreement to use the college services and attend classes is not a legally binding contract.\n\nMost colleges have a final "drop/change" date each semester.  This is the final day you can pull from a class and still receive a partial refund of your tuition.  Did you officially drop these classes (go to the registrar's office and fill out the forms) or did you just stop going to class?\n\nIf you just quit going, you are legally responsible for your full tuition for that semester.\n\nCall the college and try to talk to someone in the Financial Office to see what can be done to get this off your credit report.  They might agree to a payment plan, or reduction in the amount they show you owe.
144861
Call the credit report company and they will tell you the number or address of the company in question.Also if it's on your credit report it usually tells you when they will take the charge off.
947351
I don't believe you can gain access to this information.  If you had authorization to view his credit report you would be able to see who has pulled his credit recently but even then, there is no way of telling if he completed the application with the lender or if the loan was processed or approved.  Sorry - wish I could give you better news.
299432
About an hour ago I went to the Federal Trade Commission Website and there was something in the right margin about a new free credit report law.  It took me to a site and I was able to print my credit report.  Man it shows everything
709864
Check with your BK lawyer before doing anything. As far as Cap One goes... I dont adv anyone to go to them just simply cuz I work at a credit reporting agency and they are the number one creditor for reporting things wrong like balance and late dates.  Doesnt mean its like that for everyone I've just seem a lot of neg things from them.
534161
Call your bank, and have them check any checking accounts, or credit cards you have.  They should have a record that you can see any transactions you did not make.  The faster you go to the bank the faster this can be determined.  After that they should be able to give you more professional advice on what to do about the situation if you find it to be true.  \n\nAlso notify the police, and put a fraud alert on your credit report (again the bank can help with that) .
419453
Max, it's VERY important how the information is reported on your credit report, as it effects how your credit score is calculate\n\nBelow is what the law says.  I'm amazed at how many people keep getting this wrong.  It's written quite plainly so anyone can understand it.  \n\nThe date for reporting begins on the day you defaulted on the loan.  In your case, once your medical services were finished payment is generally due immediately.  If they send you a bill, there is usually a "pay by" date.  That is your default date.  \n\nIf anyone tells you it's the date of the last transaction, the day you last talked to them, the day you pay it off....they are either wrong or just lieing to you.  \n\nBy the way, if you pay off this debt, be sure to get IN WRITING that they will remove this listing from your report.  Otherwise, all they will do is show the account is paid, but the negative reports such as paid late, or sent to collections, will still remain.  Your credit will still be ruined, even though you paid the debt!  Does that make sense to you?\n\nHere is the law:\n\n\n§ 605. Requirements relating to information contained in consumer reports [15 U.S.C. § 1681c]\n\n(a) Information excluded from consumer reports. Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:\n\n(4) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.(1)\n\n(1) In general. The 7-year period referred to in paragraphs (4) and (6)(2) of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is  earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period  beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.\n\nUpdated Reply...\n\nJC, this is another example of what pisses me off with you collectors.  YOU can't read!  Read my message again!  The law I quoted is right from the FTC website, and (to me) is fairly obvious.  Where does it say "last charge" or "last payment in the above paragraphs?  \n\nAnd the ONLY thing that can remain on your credit report for more then 7 years is a Bankruptcy.  We are not even discussing that, so why scare people by bringing that up?  \n\nAgain, I will ask you to point me to a source for your information.  I will not accept "because I'm a professional bill collector".  This only proves my point!  If you need more evidence, I will be happy to point out FTC commission position papers, case laws, and state laws that prove you wrong.\n\nEvery response I have seen from you in this forum is always the same. "Pay your bill!".  God!  You make a great collection agent!  You got that part memorized.  But what do you say to the 75 year old lady who just spend 3 months in the hospital and is now $25,000 in debt for medical bills, and can't make that $100 credit card payment?  Oh yeah, right...."Pay your bill!".
957825
I would check you credit report at annualcreditreport.com it free and it could save you a big head ache down the road
261439
look at your computer history from yesterday. Go to history and view by date.
1106502
Nothing wrong with you checking your own credit report.
1032164
I think this is a new area of concern and that there isn't policies as to rights set in place yet.  I could be wrong.  Talk to a lawyer.\n\nBe thankful that your company told you so you can keep an eye on your credit reports and be more aware if something looks fishy.
633490
ME ME ME ME. My credit scores are through the roof!
176678
Not necessarily. The computer can only check numbers: things like your income, how many other credit accounts you have, how many other people have looked at your credit report, your credit score, etc. The "further processing required" message could mean lots of things. Perhaps the information isn't good enough for an "automatic" approval but will go to a human for a final decision. Maybe there was some reason it couldn't get your credit information right away. And yes, maybe they don't want to tell you that you were denied right away. Maybe a lot of things.\n\nIf you are denied credit, the company will send you a letter specifically stating that you were denied and why. They will also list the credit reporting companies from whom they got your credit information. If you were denied credit based on that credit report information (as opposed to something like "insuffcient income"), you are entitled by law to a copy of your credit report at no charge.
365814
I don't believe it is fair.  There could be something on your credit report that is there erroneously.  Plus, on top of that, each time a company runs your credit it shows up as an inquiry on your report & that makes it look like you are applying for credit all over the place.  Then when you actually apply for credit, the credit issuing agency sees all the inquiries & that has a bearing on whether you are approved or disapproved for future credit.
278792
It would be better if it is reporting as paid/closed and all payments made on time, but welcome to the world of credit reporting. No wonder some people believe that 70% of credit files contain some mistake.\n\nYou can do 2 things.\n\n1) Write the credit bureaus with the creditors name and account number and ask that it be reported again. If you have old copies of your report that show it reporting then send copies of that in as documentation.\n\n2) Contact the paid mortgage company and ask them to report to all 3 of the credit bureaus your paid on time,in full status. If they won't report get a letter from them stating that your mortgage was paid in full and all payments made on time.\n\nTypically mortgage underwriters like to see at least 3 open accounts reporting(which also has a positive effect on your FICO credit score) to approve your mortgage at standard rates. Worst case you will have to provide a letter like mentioned earlier as supporting documentation.\n\nBut if the rest of your credit is positive then it is likely you have a decent FICO credit score.\n\nGood Luck
972882
You should check your credit report real fast.
173884
Yes, they can check your credit report with your permission.....)(