Comments on: How To Dispute Credit Report Errors http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/ Fri, 17 May 2013 00:53:39 +0000 hourly 1 http://wordpress.org/?v=3.5 By: Margie http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/#comment-18343 Margie Mon, 29 Apr 2013 19:19:09 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/how-to-dispute-credit-report-errors/#comment-18343 You can also ask the collection agent to add that the Bill has been paid in full

]]> By: Kiril http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/#comment-16571 Kiril Wed, 27 Mar 2013 12:53:33 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/how-to-dispute-credit-report-errors/#comment-16571 To susan I believe shoitmeng that can negatively impact your score is revolving credit balance near their cap so if you have a 10,000 credit card and you owe 9,500, that can drag down your score. That’s the capacity thing and I don’t know the threshold.Other things that could have a huge impact would be late payments (obvious), # of inquiries and shoitmeng I don’t see above is total possible debt by this I mean the sum total of your open lines of credit (credit cards, home equity lines etc). I am not intending to provide any financial advice by posting this comment and a professional should be consulted in any matters having to do with your finances.Thought I’d mention too that at least for portions of the U.S. you can go to annualcreditreport.com to request a free credit report. I did and found a bunch of errors and accounts not reflecting Closed .

]]> By: toni http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/#comment-15278 toni Tue, 05 Feb 2013 04:45:43 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/how-to-dispute-credit-report-errors/#comment-15278 how do you removea collection debt that is over 7 years old; where they keep re-establishing collections under a different company?

]]> By: EFX Moderator, EM http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/#comment-14519 EFX Moderator, EM Wed, 12 Dec 2012 21:38:43 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/how-to-dispute-credit-report-errors/#comment-14519 Paul, thanks for asking and great question. Here is information on how your credit report is updated: http://blog.equifax.com/credit/credit-report-update-how-is-information-updated-on-my-credit-report/

If you check your credit report and find a mistake, you can file a dispute with the credit reporting agency that lists the error. Read more here on how to file a dispute here: http://blog.equifax.com/credit/what-to-do-if-you-think-theres-an-error-on-your-credit-report/

I hope this helps and come back to the blog again soon.

]]> By: EFX Moderator, EM http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/#comment-14518 EFX Moderator, EM Wed, 12 Dec 2012 21:35:39 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/how-to-dispute-credit-report-errors/#comment-14518 So, thanks for posting and please share this blog with your boyfriend. It has information on how long negative accounts typically will stay on someone’s credit report: http://blog.equifax.com/credit/how-long-does-a-late-payment-stay-on-my-credit-report/

Since he’s young, please also share with him this blog about building good credit and creditworthiness, it could help him to improve his credit score over time: http://blog.equifax.com/credit/improve-your-credit-score-and-creditworthiness/

Thank you.

]]> By: Paul http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/#comment-14476 Paul Mon, 10 Dec 2012 19:33:29 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/how-to-dispute-credit-report-errors/#comment-14476 Collection account. How can they be attached to my account without any legal action. I have one which is not correct. They have refused to take me to small claims court because they know they will lose. How can a collection just be placed against me.

]]> By: So http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/#comment-14472 So Mon, 10 Dec 2012 18:16:35 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/how-to-dispute-credit-report-errors/#comment-14472 About 3 years ago, my boyfriend got a notice from Bank of America that he overdrawn his debit that he hadn’t touch in months and it also had funds in there so it was never negative in the first place. He was 18 and the customer service told him this “since it’s fraud, the best we can do for you is settle for half and you’re good to go”, being 18, he didn’t know that by settling for half, he would have a negative report on his credit. He had $13,000 in his bank account, he would’ve have paid the $100 off no problem but because the customer service insured that everything was fine, he did just that. Now 3 years later, he never got any notice from Bank of America, he tried to get a credit card and he found out that his credit report is negative. He called and called and ask if there’s anything he can do, if he can resettle or pay what he owes. All they said to him “it was your choice, we can’t do anything about it”. What can he do when Bank of America and their recovery department refuses to help him? how long will this negative stays on his credit report?

]]> By: Elisha, moderator http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/#comment-14376 Elisha, moderator Tue, 04 Dec 2012 22:43:16 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/how-to-dispute-credit-report-errors/#comment-14376 Hi Rich, If accounts that don’t belong to you are showing up on your credit report you should file a dispute immediately. You can contact the credit reporting agency or the creditor directly. You should provide as much information as you have. We have a step-by-step guide here: http://blog.equifax.com/credit/how-to-dispute-credit-report-errors

Here’s another blog with more information about how to handle closing accounts and other financial resources for a deceased relative. http://blog.equifax.com/credit/credit-report-faqs-what-do-i-do-when-a-family-member-dies/

Thank you for reading and commenting.

]]> By: Rich http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/#comment-14256 Rich Tue, 27 Nov 2012 17:27:08 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/how-to-dispute-credit-report-errors/#comment-14256 My credit report includes my deceased father’s credit information, as well as his employment and residence information. Due to this fact, I can’t even file an online dispute as I am unaware of his loan history. Any ideas as to how I should proceed?

]]> By: Skip http://blog.equifax.com/credit/how-to-dispute-credit-report-errors/#comment-12860 Skip Thu, 20 Sep 2012 18:26:11 +0000 http://ec2-50-19-98-117.compute-1.amazonaws.com/credit/how-to-dispute-credit-report-errors/#comment-12860 Why does negative information from third party collection companies (old debt)that they buy continue to be shown long after the seven year period from last activity. It’s like they reset the clock once they buy the old debt for the original creditor. I’m referring to an almost 9 year time period.

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