Browsing the archives for the agency tag

Does it make sense to pay $1200 to a credit repair agency for a credit score of 446?

in Credit Repair

I want to buy my home but my credit score is 446 so I have been referred to a credit repair agency for help. But because I have so many outstanding debts, some very old & some new, the estimated price for their service is $1200. Yes, I have tried this process on my own [...]

11 Comments

Credit agency reporting by Bank of America?

in Equifax Credit Report

When , on which perticular date of every month Bank of america reports credit card activity of a/c holder to credit agency like equifax, experian, transunion. I am asking you because I need to apply for loan for big purchase and before that I have cleared all debit balance on my credit cards last month. [...]

1 Comment

Can I search out companies who report directly to a specific credit agency, so I can build credit where I want

in Equifax Credit Report

I have lots of credit reported to experian and equifax, but Trans Union has NOTHING reported to them! Do certain companies just report to trans union, or, better yet, which reports to ALL 3, all the time? We are working on getting preapproval for a home loan, but my credit score between the 3 is [...]

2 Comments

If one credit agency deletes negative info, do they all?

in Apply for Loans, Credit Repair

I had a negative entry deleted from my experian credit report? If I dispute it with the other two (it is listed on there) will they also remove it? Or does the removal from the experian credit report delete them all (Transunion and Equifax)

2 Comments

How do you force a credit reporting agency to recognize your legal identity?

in Transunion Credit Report

My wife and I have been married for 5 years. She has been divorced from her ex-husband for 10 years. Experian and Equifax have recognized her new married name but Transunion has refused to do so. Her credit reports are sent to her using her ex-husband’s surname.

1 Comment

How do I go about suing a credit reporting agency for violation of the FDCPA & FCRA?

in FCRA, FDCPA, Transunion Credit Report

I have disputed the item with TransUnion and TransUnion removed it, but the credit company reported it to the credit bureau as well as a collection agency as a bad debt. I went to a Flooring store; they approved me for $2,000 in credit but I never used it. My floors were done

4 Comments

credit agency has my wrong SS number

in Transunion Credit Report

I tried to get my free credit report from transunion and it cant confirm my identity. My credit company recently told me they had my social security number wrong. How to i tell them they have my SS number wrong? I cant get to my online report to report a dispute

3 Comments

How will paying off a collection agency affect the credit report on which the non-payment is already listed?

in Transunion Credit Report

OK – I have a bill for a broken apartment lease that I was trying to fight (for a variety of good reasons) – and now it has gone to a collection agency for a total of $898.00. This item is already showing up on my Experian and TransUnion credit reports as unpaid and transferred [...]

6 Comments