A credit report is probably the most well-known, widely used tool for that various institutions will utilize to obtain personal information about an individual that they are considering providing a loan, a place to live, or employment to. But there are a number of other reports that can be accessed at no charge which provide information [...]
Entries Tagged as 'credit report'
Your Personal Info – 7 Free Reports You Need to See
September 22nd, 2009 · No Comments · Consumer Info, Credit Bureaus and Scores
Tags: annualcreditreport.com·Chexsystems·choicepoint·choicetrust·credit report·Health History·personal info·Rental History·Retail Equation·Telecheck
My Equifax Credit Report has Disappeared
September 9th, 2009 · No Comments · Credit Bureaus and Scores, Credit Repair, Credit Reports
Q.I have totally disappeared from Equifax and have no report from them, I do not know why this has happened. I discovered this while trying to get a VA mortgage from a loan officer who also could not find it.
My Experian report has me at a 640 and TransUnion only has me at a [...]
Tags: credit information·credit report·Credit Scores·Equifax·Experian·fraud·Inquiries·Social Secuirty Number·split file
Multiple Credit Report Item Dispute – One Letter or Separate for Each?
July 30th, 2009 · 2 Comments · Credit Repair
When disputing errors on a credit report, the question of whether a consumer should dispute all of the items in one letter or send a separate letter for each is a question which never fails to come up during the credit repair process.
Q. I have 5 items I’d like to dispute [...]
Tags: certified mail·certified mail return receipt requested·Credit Bureaus·Credit Repair·credit report·CRRR·dispute letter·negative itmes·written receipt
Do Collection Agency “Cease and Desist” Letters Prevent Response to Credit Disputes?
July 10th, 2009 · 2 Comments · Consumer Debt, Debt Collection, Legal Stuff
The FDCPA was written with an eye towards protecting consumers from collection agency harassment. Under the FDCPA, a collection agency must cease communication with a consumer upon written request from that consumer.
Under the Fair Credit Reporting Act, consumers are allowed to directly dispute negative listings with information furnishers. An example of [...]
Tags: cease and desist·collection agency·Consumer Debt·consumers·credit disputes·credit report·FCRA·FDCPA·FTC·information furnishers·investigation request·written request
