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What does it mean when your credit report states that a particular creditors contact info is not on file and that there is no payment data available?
That the creditor has not or does not send information to the CRA's. Gas card companies, local retailers, credit unions and similar businesses do not report to CRA's.
Can private lenders report to a credit bureau?
Most private loans can not be reported to your credit report. This is because the system can be manipulated and the person would need a CRA to report it.
If a bank cancels debt from a repossession does that mean it comes off your credit report?
Yes it should, but don't leave it up to the CRA, get a letter from the BANK and send copy to CRA and they should remove the negative entry, if not ask the bank to update to the CRA to delete the trade line
Do you have a right to know what is in your credit report?
The law says you do. The FCRA says you are allowed to have 1 free credit report from each credit bureau every year. If you want more than that, you can purchase them or dispute something on your credit report and you will be furnished with a new one. Yes. Anyone who takes action against you in response to a credit report supplied by a Consumer Reporting Agency (CRA) � such as denying your application for a credit card, loan, insurance, or employment � must give you the name, address, and telephone number of the CRA that provided the credit report. The CRA must tell you everything in your credit report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year � two years for employment-related requests.
What can I do to errase old credit card bills from 7 years ago?
Dispute with CRA's as too old to report
What if one of the three credit agencies shows your payment history as unknown for each month is this hurting your credit score?
No. Not all creditors report to all CRA's. For example Trans Union is basically the Mid-West. The other two major CRA's report few Mid-West accounts.
Why do you have to pay for a credit report?
You are entitled to a free credit report once every twelve months. To order yours, go here: https://www.annualcreditreport.com/cra/index.jsp
What does the suffix cra mean?
cra
Where can I find out my credit score history?
https://www.annualcreditreport.com/cra/index.jsp is the only truly free website to obtain your credit report. You may request a free report once a year.
bruh days cra cra?
Yuh I know
How do I Explain a collection on credit report when I can't remember why?
How old is it? Why don't you try disputing it with all 3 CRA's as "Not Mine or No knowledge of Account"
Where can I find a free credit report online?
It's great that you want to check your credit score! This is something that should be done on an annual basis. I would recommend you visit this website to help you find your credit score : https://int.annualcreditreport.com/cra/index.jsp?code=22105563827148623566651414845862
