I recently found out that a car dealership pulled a hard inquiry on my credit without my consent. I also had a password protected account with them. The employee at the dealership who pulled it admitted that he did this and did not have my consent. What should I do?
I have an account number that was reported late for student loans. I did not realize the amount due had changed, so I continued to send the old payment amount. Once I knew I was behind, I contacted the lender and told them how I planned to get caught up. I followed through with plan and am trying to get the negative information removed because it has ruined my good credit. Each part of the loan account was reported as delinquent separately, so now my report shows seven late payments, even though I only paid the wrong amount one time. This does not seem right.
Will disputing a charge on my credit card affect my credit? Can the company with which I am in dispute give me a bad credit report? My phone was shipped to me and signed for by someone else. I did not receive it. –The company refuses to send me a new one so I am disputing the charges.
It appears that my credit report is being mixed with my cousin’s. I have requested a copy of the report by mail, but received a letter that the information I provided does not match the information on my credit file. How can I get this resolved?
Someone tried to file an income tax return using our names and Social Security numbers, so I need to report identity theft to Experian. How do I do this?
I have requested a credit line increase from my credit card company three times, and have been declined each time. Does this affect my credit history?
Will it have more of an impact on my credit report if I stop making my mortgage payments and become 90 days or more delinquent during a short sale process? Or will it be the same because the bank will still report it as a settled debt in the end?
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