I have a customer who is trying to resolve a credit issue. I work for a bank. The account entry says “Medical Payment Data.” He does not know how to contact these people to pay the account. Can you help me help this customer?
Is adding tradelines to your credit beneficial? What are the pros and cons of tradelines? Do you have any documentation concerning tradelines?
In the status category what does “closed/current” mean? If an account was closed it should be closed right? I just do not understand why some just say “closed” and others “closed/current.”
How do I opt out online as I am an identity theft victim and am taking care of all this? I want to opt out immediately.
Some people are saying a “short sale” is better than a “foreclosure” on a credit report, but is that true? Don’t both circumstances drop the credit score significantly?
What is a Social Security number variation? When looking up my personal information on Experian, a number came up under “Social Security number variation.” The number that came up was nothing close to my Social Security number.
I am considering a voluntary vehicle surrender. What ramifications can I expect, both financially and on my credit report and credit scores if I agree to surrender my vehicle to the creditor?
Should we put “See ID” or other verbiage on the back of our credit cards instead of actually signing the credit card to force retailers to check our identity?
If you have been denied credit recently are you entitled to a credit report if it has been less than one year since you received a free report?
How long do public records – tax liens specifically – stay on your credit report? One source I checked says seven years after the date of filing but another source says seven years from the date paid.
I recently asked my landlord to end my lease early. Her response was, “You must pay your lease, and as you contracted. Or, you can suffer severe credit damage.”
Is this true? Can she make a report to Experian and the other credit bureaus that will post to my credit history?
I recently tried to get a car loan and was told that my Auto FICO score was low. I found this strange because I know my FICO score is in the high six hundreds. The dealer explained that the difference is an Auto FICO score is different than a regular FICO score. Is this accurate?
I disputed an account on my credit report. It came back “updated,” and on the status shows “closed.” Then it states, “account closed by grantor’s request.” Does this mean it is closed and I don’t have to pay that account, or does it mean something else?
In the long run, will my credit be more positively affected if I pay off collection agency debt in full as opposed to accepting and paying a settlement amount?
Is it true that when you get married you automatically inherit your spouse’s bad debt or bad credit and does it show on your credit report? I have a close friend that said that is exactly what happened to him. I seriously doubt him, but just the same I need to know the truth. I will be marrying soon and was wondering if I should be concerned due to my future spouse’s “bad debt.”