When an account has been purchased by another lender, or transferred to another lender, and the new lender starts collections on the account, can the “Credit limit/Original amount” that is been recovered be higher than the amount shown on the credit report? This amount has not changed from the original lender to the new one.
My wife had no credit history before we were married. I set her up as authorized user for a couple of my frequently used credit cards. Does this help her build up her credit history?
If I get credit monitoring for myself for all three credit bureaus, how is that impacted if I am married?
I disputed an account and it was deleted because the lender didn’t respond in time. I just got a letter saying they are putting the account back on my report. Can they do that?
I currently have no credit history and graduated from college last year. I have applied for two credit cards four months apart and got denied for both due to insufficient credit references and revolving credit accounts. I really want to establish my credit for the future. What can I do to get approved the next time? Also, is there anything else I can do to start building my credit?
In order to refinance our home we might have to miss two or three payments to qualify for a modification loan. We have an excellent credit rating now. Is there a way we could miss these payments without affecting our credit rating?
I recently had my car repossessed. Within a very short period of time I paid my remaining balance in full. I also have a statement from the creditor proving my $0 balance. Is it possible with this paid in full letter that the repossession can be removed from my credit?
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I need to know who has inquired on my credit report. I have a copy of my credit report from a lender who denied me credit and it only shows the number of credit report inquiries. I want to know who has inquired and the dates they inquired.
Can a charge off be reported after seven years if it is sold to another company?
Can a utility company still obtain my report with a “soft hit” on my credit, or is my information frozen and no information can be released with a state credit freeze on my account? A utility company told me they can still do a credit check on my account even when it has a freeze on it because they do a soft hit.
What is my credit report?
I cosigned on a mortgage loan for my daughter. My credit report shows this as my mortgage, even though I am not making payments. Does this reflect on my credit if I want to take out a loan in the future? And if it does, what can I do about it?
One creditor sold an account to another. Why are they both showing up on my credit report?
I was looking at my credit report online and it showed that I am using 99 percent of the credit available to me. What does that mean? Also, I know that I have one student loan that is at almost $60,000. How much effect is that going to have on me if I am trying to get a home loan?
Do you have online booklets explaining how you can read a credit report?
How and where can I repay or pay on a debt that’s on my credit report?
What is worse, having several credit cards in collection or having a bankruptcy on your credit report?
I lost my job two years ago and have had a bad patch paying my bills. My credit score dipped substantially. I managed to get on plans with my late accounts and am on track to be debt free in about three years. Can my score ever improve?
About a year ago my checkbook was stolen. Whomever it was stolen by has continuously written bad checks in many places. I filed a police report and closed my bank account one week after I discovered my missing checkbook. I was honestly unaware that this would affect my credit report. How do I get all this fixed?
Does it affect my credit score if I pull my own credit report more than twice a month?
How do you not qualify for bankruptcy?
I was told by a realtor that paying off everything on my report will cause my score to drop. Is this true?
Will my Canadian credit history transfer to the USA?