I was approved for a credit card in October 2013. I have never exceeded the limit and have made all payments on time. I just received a notice that they are reducing my credit limit to the same amount as my current balance on the card. The reasons state, “Derogatory public record information, too few accounts currently paid as agreed, length of time of credit established, and lack of recent installment loan information.” One of the other credit reporting companies will not release a free credit report. This doesn’t seem right to me. What should I do?
Categories: Report Advice
Whom do I contact to request a corrected credit report be sent out to creditors? I was an identity theft/fraud victim and there were fraudulent inquiries on my report which have been removed.
Categories: Report Advice
We filed bankruptcy two years ago and want to either refinance our home or possibly buy a new home. When the bank pulled our credit they said that our existing mortgage is not being reported on Equifax, Experian or Transunion. We have all of our monthly statements from our lender verifying that we have been paying on our house for the past 2 years. How do we show this information to you so you can start reporting all of our mortgage history on our credit report?
As National Protect Your Identity Week (Oct. 20–26) nears an end, think about how you can actively protect your identity. Here are several ways to use your credit report to identify unauthorized activity and stop possible identity fraud before suffering potential financial loss.
How does an inmate go about getting a credit report? Where can he get the proper forms to fill out without access to the internet?
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.
How can I report my rent payments? My landlord does not.
If I cosigned for a student loan, will the loan balance show on my credit report, or it will only show on the student’s credit report?
I am interested in a modification on my mortgage loan. I would like to modify my repayment When I asked the bank if a modification would negatively impact my credit scores, I was told that it may be reported to the three credit reporting companies, but that the impact to my credit scores would be up to you. Would a modification, lower monthly payments or deferred payments lower my credit scores?
Can I get a letter about the results of a dispute after the 30 day mark? I am trying to buy a house and they need the letter.