Question about Credit Report!!?
965816
You can go to the loan office and ask them to please report it to the credit dept. and also ask to receive a print out of your payment history so that you will have proof in black and white that it was in good standing, you might also want to contact the credit agency to contact the loan office requesting the info to update your credit files
352273
Yahoo just had something on the homepage about devious "junk buyers" buying old debt for pennies on the dollar and then trying to make you pay even after the statute of limitations had passed-I know there is limits but as to what they are I can not 100% tell you.  \n\nAnd actually it is never 'removed' from your credit report, but companies only 'pull' a 7-10 year history, so it does not show, the debt is always listed on the report, so it never really disappears, just hanging out in old debt land, and if you go for a Senate Hearing or something they will pull it up.\n\nThe report said something about the basement buyers buying the debt and then reporting it as a 'new' debt to get it back active on your Credit Report, which is against the law.  The report also said they target those that paid some debt, because they were more worried about the ramifications of the credit report.  I will research and see if I can find the article-it was an informative read.
112859
If you have satisfied the debt and it's showing a $0 balance, that is not an inaccuracy.\n\nIt also does not bring down your score unless your payment history for that account show slow pays beyond 30, 60 and 90 days.  Additionally, it also brings down your score even if you paid down the account if the payment was received in response to a collection or a chargeoff.\n\nAlso, the reporting of a credit account does not, by itself, bring down your credit score.  Other factors come into play such as\n\n1) How old your credit history is.  \n2) What types of credit you have/had: revolving (credit cards, etc), installment (car loans typically), real estate (mortgages).\n3) Your repayment history and whether your accounts are paid as agreed or whether there have been slow pays\n4) Whether there have been garnishments, collections, liens, bankruptcies\n5) How many inquiries have been made in the past few months (i.e. have you been applying for loans all over town or trying to get credit cards)\n\nUnfortunately, I think you're out of luck on this one.  \n\nUnless you have grounds to have those accounts removed (e.g. that wasn't your account, the payment history is inaccurate), they will continue to be reported for about 5-7 years.  \n\nThe reason for this is that, before approving your credit application, creditors want to know how well you repay credit lines and loans in the past, not just the accounts with open balances.  They also want to know if you're carrying too much debt.
298088
I have included a few links that expand on the answer below. I hope this helps.\n\n\nQ. What is a credit score, and how does it affect my ability to get credit?\nA: Credit scoring is a system creditors use to help determine whether to give you credit, and how much to charge you for it.\n\nInformation about you and your credit experiences, like your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report. Using a statistical formula, creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor. A total number of points — a credit score — helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments on time. Generally, consumers with good credit risks have higher credit scores.
838239
You have several good answers here. All I want to add is that credit is a numbers game. The better you understand it, the better you can be at improving it and keeping it high. Here's a little more info that might help:\n\nhttp://financialbasics.blogspot.com/2006/11/credit-reports-and-credit-reporting.html\n\nEnjoy!
128230
I always thought that you needed to supply your SSN before a credit report is released. Possibly someone got ahold of your SSN, thats financial fraud. Never give anyone your SSN. Check with the local bank or the Dist. Atty. in your area. Hope things turn out good for you.
1007412
I am a loan originator and deal with people who have bad credit on a daily basis.  I would suggest getting a copy of your credit report.  Then making sure that there are no duplicates or closed accounts affecting your score.  If there are you can call those places that have been dawdling in taking them off your credit report.  Pay things on time and try to get rid of as much revolving debt as possible.  If your credit is bad now you may need to wait a couple months until you can correct all of the above problems and bring your credit score up to where it should be.  I hope I helped to answer your question if you have any more concerning your credit scores feel free to contact me through my yahoo email.  P.S.  A credit repair company can raise your scores but you most likely won't see the results until the process is over, they can really affect your score negatively while the repair process is taking place.  Just put yourself in the lenders position. Would you lend money to someone going through a "credit repair"?  I suggest trying to do it on your own first.
1133903
I would not worry about it.  All a credit score does is say how in debt you are.  People with good credit scores are just as bad off as people with bad scores.  My goal is to have no record on file, this will mean that I wont owe anyone.
852120
The only thing that can repair your credit is time and current payments. If there is misinformation on your reports you can dispute it and see if the reporting agency will remove it.
1139109
Most lenders only use one to two credit bureaus to report too. As pulling a credit report cost money on each individual who applies, reason they wouldn't pay for 3 reports, when you pretty much can get a decent overall history with two. \n\nSeems you have only received one report, there are at least two others to get, and it will be on one if not both of those, and your rating will be higher on those.
236525
First u need a credit report.  and it in there with ith the few pages. IT should be in the first second page of the report u can get one at www.freecreditreport.com good luck
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
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!".
1006626
Do you actually have BAD credit after doing nothing, or is it that you just don't have ANY credit because you've never used credit?\n\nIf you just don't have any credit -- you've never proven yourself to be creditworthy and reliable -- then you just have to accept a low credit score for a few years, like everyone else, and although there are ways to establish credit quickly (secured credit cards, etc.) it won't just happen overnight.\n\nOn the other hand, if your credit report reflects negative information that you feel is in error, your next step should probably be a talk with all three of the major credit bureaus (Experion, Equifax, and TransUnion) to figure out why there are negative marks on your report, and to identify possible remedies for these problems.\n\nHowever, you have not provided enough information for anybody trying to answer this question to actually do any good, as the question is very vague.  Good luck, though.
939898
call any of the credit reporting companies.  they will put it on your file at no cost.
913330
Your credit can change minute by minute.  It all depends on when companies that you have accounts with report to the bureaus.  When the companies report, it changes not only your payment status, but outstanding balance in comparison to high credit limit, # of months reported, and how long the account has been opened,etc and all these will affect your credit score.\n\nAlso not all companies report monthly when you are in good standing, they may report less often, so that good history my not show as soon as payments are made.
1130615
go to www.eloan.com  >>>credit report pull-down menu...free scores, that the only one that free