I had a repossession in July 2006, but on my credit report it states date reported January 2013. A collection agency owns the account now. When will it be removed from my history? Is it based on the date of initial delinquency or the date reported?
How do I dispute an account on my report? Experian is showing an account open that has been closed for two years.
I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit?
I am a 19 year old college student trying to establish credit early, and it would be helpful throughout college to have a low limit credit card just in case. Also, I am trying to get a car loan, and I know I need to use credit to gain credit. I applied for a credit card through my bank and was declined. I also applied for a student credit card and was declined again. How am I supposed to establish a credit history if I can’t get approved for anything? My parents are just starting to rebuild their credit themselves. Is there any way that I can establish credit without having to have somebody cosign for me?
Can a collection agency request your credit history without your consent? I have one on my report under “inquires shared with others” in which I did not consent.
I am legally divorced. My ex-husband re-married. We had a joint mortgage account. I have a divorce decree stating I am not liable for this account anymore, but this account is on my credit report. What do I do to get this account out of my credit report?
If you have a charged off account, is it better for it to show “paid in full” or “settled for less?”