credit reporting agency
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Question About Checking Child's Credit
The credit reporting agencies do not knowingly maintain credit files on minor ... you can get 1 free report from all 3 credit reporting agencies 1x per year ...
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- you can get 1 free report from all 3 credit reporting agencies 1x per year per federal law. i know if you go online you have to be careful which site you chose so may ...
- just so you know...they don't need the SSN to set it up...not even for a bank account... to control the issue, take control of it
- Here is what it says on www.annualcreditreport.com/cra/index.jsp FAQ: How do I request a credit report by mail for a child under 13 years of age? The credit rep...
I Feel Scammed by Palisades Collection Agency, Pls Help
I have sent a letter to the credit agency that is reporting it inaccurately but my preference is to have them removed altogether since they can't seem to ...
Answers
- Hello D., my name is H. and the story about being affected by this recession sounds so familiar. I am a stay at home mom of a 3 month old girl and a 8 year old girl! N...
- Oh my! I just paid a debt of with this same company about a week ago. lol! I hope all goes well. I asked them to send a letter saying that they would accept the se...
- Hi D.: Unfortunately,when creditors get antsy in waiting for their monies,they will sell your debt,to A collection company for a lesser amount,and give them the HONOR...
Credit Repair? Good or Waste of Time?
If you dispute a claim, send it to the collector and the credit reporting agency in writing. If the collector does not respond in 30 days it will be removed ...
Answers
- A really good friend of mine lives in McKinney and has a credit repair business. His name is Mike Ayres and his website is www.streamlinemycredit.com. He is a super ...
- We have never had a credit issue. All bills we have are paid on time if not before time. That said....I cannot possibly see how spending money with a credit service ...
- Don't do it. Anything the credit repair company can do you can do on your own. Get a copy of your credit report and if stuff is over 7 years old, it should no longer b...
Legal Question
The law is designed to protect consumers, creditors, and credit reporting agencies. The FCRA enforces the seven-year limit; specifically, ...
Answers
- My disclaimer: I'm not a lawyer, lol. BUT - I have heard the same thing that your husband said before. I would trust your husband on this one; if there was a legitimat...
- I am a lawyer, but not a civil lawyer so this advice also comes with the caveat/disclaimer to contact an attorney that specializes in the credit arena for the most acc...
- I would print out a copy (FREE once a year!) of his credit report at www.annualcreditreport.com and make sure the account is showing up. Then you can dispute it o...
Transferring Money to Child, Protecting Credit
Also, there are services you can subscribe to through the credit reporting agencies that will notify you of any significant changes to your credit report. ...
Answers
- We went through this recently. The others are right about Western Union for the immediate cash. Regarding the drivers license, the DMV told us to come in and get a...
- Hi J., Western Union is probably your best bet for getting money to him quickly. As a victim of identity theft (and believe me, I have been through it all), here...
- You can transfer money from a Wal-Mart to a Wal-mart. They are everywhere so it's very convenient. It's also very simple. Good luck!!
Debt and What to Do...
your credit report in 3 answers "The debts will appear on your credit report for 7 years from the most recent date ..." collection agencies in 3 answers ...
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- Hi R.! Sometimes an extra stream of income can help get yourself out of debt! We have many on our team who have paid off debt and some who have replaced their full t...
- First, go on your credit report and contest everything. Say you paid it off years ago, and were told is was paid off. Use strong words (I PAID this.) If the creditor...
- Hi - sounds like a tricky situation. I am an attorney and have a little experience with this. You might try negotiating with your creditors. Creditors are a little ...
Question About Identity Theft
Initially I cancelled my credit cards and bank cards and had new ones issued and had a fraud alert turned on at the credit reporting agencies. ...
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- its good that you put the fraud alert on that will deter a lot altough will end up being a huge pain for you in the future.. It happened to my husband and we still hav...
- sorry! this must be incredibly frustrating to say the least. The IL Attorney General's Office has a helpline for people who are victims of identity theft. I would de...
- Hi D., I had my wallet stolen years ago and unfortunately my social security card was in there. I am still dealing with issues although the credit card companies and...
Odd Question
Checking with the credit reporting agencies is an excellent idea as well as checking with utilitiecompanies. I doubt that he could actually get a new house ...
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- You could try doing one of those online credit reports for your daughter...that's scary that her own dad might be using her credit
- You can do a free credit check online with any of the credit burea's as long as you have address, SSN and full name of person. I did it for my husband when I was fili...
- N., Sounds funny to me, do you have a lawyer? Check this out fast! I worry for your daughter. Prayers R.
Credit Repair
Make sure you buy all 3 credit reports. I think they have a special price if you buy all 3. There are 3 different credit reporting agencies: trans union, ...
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- Hi J., I am a loan officer in WA state. I help people with challenged credit. Our license does not extend to CA, however I have some experience with this. First t...
- I wouldn't use consumer credit counseling if you can avoid it all. My husband and I used it 4 or 5 years ago because we got a little behind and now that we make doubl...
- I've processed mortgage loans for a few years now so I know a little about fixing credit reports. You don't need a company to help you fix your credit report. You can ...
Paying off Old Debt
Sometimes you have to contact the credit reporting agencies to alert them to the fact that the negative items are over 7 years old and need to be removed. ...
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- Hello, my name is R. I amja Certified Credit Counselor and worked as one for 2 years. THose Utilities from 2001, leave them where they are, they are getting ready to f...
- L., my husband and I work for Freedom Debt - a debt settlement company...yours is past the statute of limitations in Texas so I can't really help you but would advise ...
- My mother-in-law had an issue with a catalog company on a bill that she paid back in 2000. They said she didn't, she said she did. She had ripped up her receipt year...
