Tag: credit

How can I request Credit Reporting agency to correct their report?

Question by De: How can I request Credit Reporting agency to correct their report?
I got a free Credit Report (online) that gives my credit score too. In the report I saw a Collection agency activity which is incorrect as I paid off the money long ago. How can I correct the matter? How do I formally let the agencies know about it?

Best answer:

Answer by Woof
You submit a dispute with copies of documentation showing that it was paid off. That doesn’t remove the item – however, it should have the status updated to “paid.”

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How do you know the item on your credit report is from which credit report bureau?

Question by magda ballew: How do you know the item on your credit report is from which credit report bureau?
I got a credit report from a lender (the lender type of credit report), it lists 3 credit scores.

There is a same tax lien listed twice, one has account number , the other doesn’t has an account number. Which credit bureau should I contact for this issue? How do you know which item is from which credit bureau?

Best answer:

Answer by Alaric
the lender should tell u (in fact it should be somewhere on the report) which bureau they used. by the way, u should contact the other bureaus too coz they likely have the same error, and u shud contact the lender in question.

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Q&A: How do you dispute something on your credit report?

Question by operaphantom2003: How do you dispute something on your credit report?
There are a few items which have been reaged by a collections agency and they cannot do that. The SOL has passed and they should be removed from my credit report. Also, when you view your credit report where is the “date of last activity”? All I see is the open date and last reported date. The last reported date can’t possibly be the date to go by because then the companies can stay on your credit report forever. I have never had problems about stuff dropping off before but Capital One refuses to drop off and the three different collection agencies (for one card mind you) keep reporting a new date opened. This is ridiculous. How can I get them off? It has been 8 years now and they are still on there.

Best answer:

Answer by Glennroid
Anything you dispute has to be in writing. Call the credit bureau or go to their website to get instructions. You’ll need to write a letter with copies of all of the pertinent info. Generally they’ll review it and make a decision within 30 days. Good luck!

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