Experian Q&A

Building Business or Corporate Credit?
This is really an answer. Business credit is a step by step process that takes time. It can't be bought. You should apply for a EIN number with the IRS. You will use this number to apply for credit cards and loans etc.. It is also big to register with Dun & Bradstreet and Experian. They will score your business much approaching how your personal credit is scored. It is import that you do not step overboard when opening lines of credit and you should apply for credit in timed increments.A upright site I have foudn is www.buildcorpcreditnow.comTheir ebook is great for getting you going and includes tips for Incorporating as well as a chronicle of creditors who issue credit to businesses. Good luck all.

Buying a tentative coup¨|?
I am a 20 year old college student surrounded by Texas. I am looking to buy a new motor. But I have looked at my credit and the just thing unenthusiastic at all is a couple hospital bills that get reported. Other than that my credit is good and solid. For example my experian credit rack up is a 721 but this is without the doctor bills individual counted. The TransUnion and Equifax my score is a 605 solitary because of the doctor bills. How do car companies look at your credit and how bleak will the doctor bills hurt me when trying to get a untried car. Thank you for your serve.

Can a creditor database a judgement after it have be removed from my credit report?
I recently recieved a phone beckon from a creditor threatening to file a judgement against me and garnishing my wages for a charge-off balance that they hold doubled since purchasing the account from my innovative creditor. There is a catch, not long I had disputed the amount of the debt near experian and they ended up completely removing the creditor from my report. Now they hand over me a call and at first I be a little worried, they offered me a settlement of around half the symmetry then I told them I would phone them back. When I call them back they offered a lower set off which I told them I don't know, fax me over something saying that will be remunerated in full.When they faxed over the article it showed the creditors name. I time-honoured the name and when they call back I told them that they be deleted. They denied ever reporting to experian and that they enjoy not yet reported and I requirement to settle with them presently before they do report.

Can alike collection appear twice from different collection agencies on your credit report?
I pulled out a credit report the other day, and a collection be submitted twice on my credit report, but from diffrent collection agencies, it is the same justification and same amount on all the credit companies experian, equifax, tansunion. My interview: Is this legal?

Can I bring financing for a motor near a fico ranking between 535 and 560?
one score come from Trans Union and the other from Experian. I have be a trucker for alot of years and just haven't applied for much credit. they give an account me I am a ghost. The singular thing on my report is prehistoric medical bills,(which I have hear doesn't count much). But I have no clear or revolving accounts. I have a pretty angelic income, but don't know where to bring back credit if no one will grant me any. The only positive I enjoy is Sprint, and they haven't reported yet. But entail a newer car. I would appreciate any warning or suggestions.

Can I completely dissolve a credit card I a moment ago signed up for?
I have recovering credit (which is the ''good'' rating very soon as far as Experian Equifax, and Transunion are concerned). I only enjoy two credit cards and decided to stir for one more. I signed up for a First Premier Platinum that I get in the communication. I haven't gotten my card and it's been 3 weeks. I call and they told me to wait two more days and my first reimbursement was due on the 16th of this month. (they charge you $179 contained by activation fees on sign up for the $500 card).I've read nothing but complaints and horror stories NONSTOP roughly First Premier. Being that it's been smaller amount than 30 days and I haven't received, activated, or used my card, can I retract this account beside minimal damage to my credit history? Will it be mostly for the inquiry or will it show and clear and closed account as capably? And if so, would that open/closed account hurt my win?

Can i donate prehistoric accounts to my credit report?
I reviewed all three credit reports and found that there are a few out-of-date, and paid in full accounts that are not on my Equifax and Experian credit report, but are on transunions. Can I request that said rationalization be added to Equifax and Experian, and will it help my score?

Can I expect my win to stir up again after investigation?
I started out with a 550 mark , disputed everything on credit report and I had closely of garbage on within, got my first investigation report spinal column from Experian and they deleted 9 items, my evaluation went up to 634. still waiting for the other two agencies which have also a lot of refuse on there, if the other two delete several items bad my report will it go up again?

Can I hunt out companies who report directly to a specific credit agency, so I can build credit where on earth I want
I have lots of credit reported to experian and equifax, but Trans Union have NOTHING reported to them!Do certain companies lately report to trans union, or, better on the other hand, which reports to ALL 3, all the time?We are working on getting preapproval for a home loan, but my credit win between the 3 is very erratic....one is glorious, and the other is LOW, and the other doesn't exist!What can I do? I am so sick of this credit game. There should be a statute against this kind of mental torture.

Can I qualify for a coupé loan next to these score: 526/498/554 (Transunion, Experian, Equifax)?
I previously asked this question, but it be in accurate.Anything underneath $10,000 will be fine, and I can have a down expense of $1,300.4 of the 4 collections on my credit are paidThe charge sour (328.00) is also paidI enjoy two open installment accounts (Best Buy and Ashley Furniture) Which are rewarded on time beside the exception of being 30 days belated on each one, once.I don't want anything fancy, but I do want to augment my credit score. I do want a car for work. I engineer 1,200 per month part time.

Can I request my credit card company to report grant history to adjectives 3 credit bureaus?
One of my credit cards only reports to TransUnion, and my student loan lender merely reports to Equifax and Experian. Can I request each of them to report to adjectives 3 bureaus or do they only follow their company's policy?Specifically, can I require them to do so?

Can i sue a collection agency for ruining my credit when i didnt know and they never contacted me?
ok i had a labor dispute years ago i hired a attorney to take strictness of he did nothing and in a minute i have a 58000 dollar cynical on my credit which now i cant refinance my home and am on the virge of loosing it. i never recieved anything from the collection agency and the with the sole purpose reason i know it was on at hand because i belong to experian now im screwed what can i do

Can I Sue Experian?
I have applied for a credit card with mound of america several times and i have been denied i checked my credit history and im seeing wrong information which lead to the denial of my credit card applications. Can i sue for damages? and experian does not even have a fax or telephone number where on earth i can call to dispute the information on my credit report. They listed my birthday as 1985 instead of 1988 which cause collection agency debts that i owed when i was 17 to be posted on my account because they down my birthday 1985 it showed that i was 20 when the debts came surrounded by but i was actually 17.1. Do you hold a fax or phone number where i can reach experian? (I achieve an error messege with the online dispute form)2. Can i sue for damages since they caused me to be denied for a credit card over 2 times

Can someone let somebody know me the easiest road to check your credit rating?
I tried Equifax and experian and they said they were have trouble getting the information, which I think be because she moved. What if she tried to get a credit card? Wouldn't that stingy her credit is good if she get the credit card? The reason we are so concerned nearly her credit rating is because some very poor friends of hers just now got 6 or 7 credit cards and we dream up they stole her identity. She is only 19 years mature, what should she do? Should she go to a legal representative?

Can the apposite credit overcome the doomed to failure?
I am 22 and have four or five collections on my credit report that are very soon ALL ''paid in full'' status. I didn't know nearly the debts until I looked at my credit report for the first time last year and compensated them as soon as possible. If you were to append all of my credit score from transunion, experian, and equifax, the sum would be less than 1700. I've only just recently started to qualify for relatively low credit rein in cards that I wasn't able to qualify for solely 6 months ago. Despite the negativity of the collection accounts and a credit card deliquency of 60 days (out of 3 years), using 3 low-limit credit cards wisely and keeping a worthy balance to restrain ratio, would good practices verbs to increase my credit score more and more or would they be hurt a ton by the salaried collections for the next 7 years?

Can you dispute something on your credit twice?
I had a group strong views with Bally Total Fitness that be originally set for a 3 year contract. Around 4 or 5 months into the contract, one of the members moved over 50 miles from the nearest Bally Total Fitness, and the other accomplice left to Lackland AFB for Boot Camp. Per the contract, this be reason adequate to cancel the contract. I be told that, since at the time i wanted to be a accomplice, the monthly fee would be reduced from $63.63/mo to 30 something. When I go to pay around month 5, they told me that lately because the other two members exited the contract doesn't indicate I get to compensate a reduced priced! I disputed this and contacted the attorney general and BBB. After several months they canceled the contract (finally, JUSTICE!). I disputed the unpaid extent that they were trying to overcharge me until they canceled the contract for me but Experian wouldn't correct it. What can I do very soon? Can I dispute again or sue?

Can you hold debts within collection if they don't appear on your credit reports??
I have a company trying to collect a debt of approximately $10K from when I be in college a few years ago and they voice that they are collecting on behalf of the college. I have be looking through my Equifax and Experian credit reports and neither one shows any sort of mention of this debt or the name of the company trying to collect the debt. I enjoy gotten notices from this company and they appear legit ( http://www.windhampros.com/), but it seem weird to me that at hand is no mention of this debt on the 2 reports. Now to the questions ... if it is not on these reports, it shouldn't affect me if I apply for other credit or alter my credit win, right? I may need to bring a car loan soon as mine is on the channel out unfortunately. Also, how can I check out the legitimacy of this debt if it's not on my credit report?? Any info would be greatly apprecated!

Capital One auto loans.?
Has anyone used Capital One for an auto loan?If so what interest rate did you receive and how was your credit at the time. Or do you know what your fico win was similar to at the time you applied? I'm asking because mine isnt that great and I'm wondering what kind of interest rate I should expect. My ranking is a 658 with Experian due to bygone bankruptcy within 2003.

Checked my credit chalk up. I hold excellent credit, but the Experian VantageScore have me as a B at 879? Confused
The VantageScore has a breadth of 501-990, but the "normal" credit score field is different - so what is my "normal" credit score?The points that lowered my rack up with Experian are "balance too low" on my mortgage (<$30,000) and credit cards ($0). So, I am being penalize for not being further within debt, despite 100% on time payments!

Civil Claim Judgment?
My son obtained his credit report from Experian. It's listing one potentially refusal item. He rented a home with two other people. It be a verbal agreement between the three of them. He never signed a lease( out of town at the time) and a copy of the lease was not given to any of the tenant.The responsibility on the credit report for this negative item is listed as "joint". This entire situation be due to the one guy not paying his portion of the rent & deposit. This guy up and moved out. Is there anything my son can do as he actually never signed the lease and never spoke to the innkeeper personally until a few months after living there when the tenant was trying to take them to court over the situation. It never go to court and we ended up paying this guys portion of the deposit and rent. But this is still listed as "date resolved" "NA"

Cleaning up credit?
I am looking at getting a secured credit card through my bank. They already told me that it does report to credit places similar to experian etc...but I have BAD credit and I wanna know how much of a boost this card is truly gonna give me. I also know fixing credit take time, but does anyone know how much this is gonna actually relief me? *Also, any other suggestions/advice on boosting my score would be great!

Collection accounts and your credit?
I had a credit card that go to collection over seven years ago. But one has sold it to other and other and presently I have a modern collection agency telling me that I owe them money for a debt and it will stay on my credit until 2012 That will formulate it a total of 13 years this debt for $2000 is following me. Can they do this. I have disputed it once but I freshly tried and dipute it again. And experian told me no that I already disputed it. Now what

Collection Agency reported me to Experian after I remunerated?
They sent me a letter for a settlement contribute stating that if I paid the settled amount they would not report me and they would stop harassing me essentially. Well I checked my report today and it says I never compensated and it droped my score dramatically. What do I do very soon that I paid and it say I didnt. They keep axiom they cant do anything and it will be on my report for 7-10 years.

Collection Agency Reporting the entry after salaried...?
Two weeks ago, i checked my Experian credit report and saw that a medical bill from 2001 for $96.00 was surrounded by collections. I went on and salaried that off finishing week. I have signed up for "each day alert" of my credit score from EQUIFAX. This entry be never on my EQUIFAX report till yesterday. My score go down by 33 points because of this entry. Can the collection agency report an entry to the credit bureaus AFTER they receive the check ? The status on this account that be reported on my report yesterday is UNPAID...They received the check last week though... What should i do? I want to draw from this removed from my credit report.

Collection showing up on my Credit Report after 5 years?
I check my credit quarterly and I noticed tonight a collection listed from an MCI accont dating put a bet on to 2001. The Collection agency has had the details since 2004. I contacted the collection agency and while they had my correct phone number on record, the address have the wrong city. They confirmed that they have had returned communication. So, attempts to contact me have been futile. I don't own any record of them calling me either. The debt is merely for $50! It seems to have dropped my credit in the order of 70 points. First, can I be held accountable for this since they had the wrong address?? Also, I really enjoy no idea if this account is even valid. I might of have MCI for long distance for a short period of time, but, this was 5 years ago. I disputed this through Experian and I am waiting for the results. Anyone enjoy advice as to how to get this past its sell-by date my practically spotless report. Even if I pay the $50, will it increase my score or must I attempt to bring it removed for that to happen.

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