Friday November 16, 2018

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Official Resources: Credit Help
How to Contact Credit Bureaus
Consumers who want to repair their credit report today have a convenient way to check their credit, and should they find information that... Read More
Correcting Errors On Your Credit Report
If you want to fix your credit report, here is the most important thing for you to know: You can do it yourself. If you want to fix your ... Read More
Step-By-Step Credit Report Review and Dispute Process
Upon verification of your identity, you can get your credit report online, or you may get your 3-in-1 Credit Report, which contains a sid... Read More
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User Resources: Credit Help
Can a Collection Agency report you to the credit bureaus without ever making an effort to collect a de...
Posted by
I have just recently checked my credit report and noticed one delinquent account that was reported in 2010. It was from a County Detention Center I was lodged in, which has charged for my stay and any medical. However, I became a State Inmate and have all documentation to substantiate my claim and have already written letter of dispute to the Agency. They replied stating in pertinent part that the claim was valid. Now I did not send the documentation in the original letter because that stuff is available at the Administrative Office of the Courts & advised them of such. It looks as though I may now have to reply with documentation. I am just wondering, before I jump the gun, if they could have ever even reported this to begin with without ever mailing anything to my residence in effort to collect under clearly established Federal Law? I have been home for 3 years and no attempt from the Credit Agency has been made for collection. No attempt was made from 2010 going forward at my residence. That and the fact that I was a State inmate which requires the State to pay for my housing in a Detention facility negates their contention that this is a valid debt. Can anyone give me some feedback? Much... Read More
Cre...
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Will paying a car payment within your grace period have a negative effect on your ... Read More
Sent to credit agency without notificat...
Posted by
We purchased an investment property and have it under contract in a lease to own situation to someone else.  We hold the title and I receive a property tax bill at our physical address.  However, the title company recorded it to in our name and the investments property address (which we noted for them to change at the signing).  The HOA management company of that property has been sending "dues" notices in our name to the investment property, which have gone into the abyss.  The current resident reported to them several months ago that we did not live there.  The have not sent us to collections which I am being told has been reported to the credit agencies and placed a lien on the property.  In addition the amount due now list several fees including paralegal, photos, interest and liens.  My question is this, can the collection agency report us and place a lien on our property without notifying us?  Second, am I required to pay these other fees that go way above and beyond?  And I guess third, is can the creditor do this without even trying to contact ... Read More
cre...
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what is non insta... Read More
Credit Sc...
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Do the banks use your credi... Read More
collection age...
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can a collection agency still report each month to all three credit agency's after the debt is paid and the acc... Read More
credit rep...
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whats the worst thing from first to last you can have on your ... Read More
Apt Move Out Char...
Posted by
I was charged $200 move out charges from an apartment because they said I did not paint the room the right color.  I was told to paint it white, which I did.  Now a collection agency is saying if I don't pay the $200, they will report it to the credit bureau.  Can ... Read More
collect...
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can a debt be reported to the credit agency over and over after be sold s... Read More
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