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Tag Archives: credit report

Removing an Outdated Bankruptcy from a Credit Report: Jorge’s Story

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Jul 16 2015 By Ashley Gordon Have you ever found an error on your credit report? These errors can negatively affect loan applications, how much you can borrow, hiring decisions and more. In Jorge’s case, he had lost an apartment because of a bankruptcy, which can stay on credit reports for up to ten years. Ten years had passed since ... Read More »

    Man Named ‘God’ Settles Credit Report Lawsuit


    A New York man whose first name is God has settled his lawsuit against credit reporting agency Equifax for failing to generate a credit report because its system did not issue credit reports under the name “God.” God Gazarov, 27, of Brooklyn, claimed he had trouble accessing credit because the lack of a credit report with Equifax led some potential creditors ... Read More »

      1 in 10 Americans Don’t Have a Credit Score or Credit Report


      One in 10 U.S. adults is invisible to much of the American economy because they have no credit report or score, a new report by the Consumer Financial Protection Bureau has found. Those 26 million adults — disproportionately Black or Hispanic — have virtually no chance to borrow money or use credit cards. And another 19 million adults have credit ... Read More »

        Woman Is Sent 300 Credit Reports By Accident


        A woman in Maine came home to a funny sight earlier in March when her mailbox was stuffed with more than 300 envelopes, each containing a credit report. Here’s what’s not so funny: None of them belonged to her. Katie Manning contacted a local news station (WGME 13 TV in Portland, Maine) after she realized she had all of these strangers’ ... Read More »

          Your Biggest Credit Report Complaint May Be Getting Fixed


          Recently the three major credit reporting agencies — Equifax, Experian and TransUnion — agreed to a settlement with the New York Attorney General’s office to overhaul the national credit reporting process to better serve Americans. The agreement includes changes to the credit report dispute process, how some negative information can appear on credit reports and oversight of the creditors that ... Read More »

            I Paid Off an Old Debt But Can’t Get a Mortgage

            break free from prison pressure or quit job running away towards

            “Dear Steve, I made a move to another state for a new job in early 2007. By the end of summer in 2008 I was laid off from my job. I received unemployment pay but I was out of work for more than a year and a half. At the time I was laid off I had some credit card ... Read More »

              FTC Reviews Credit Report Dispute Process and Reaches Conclusion

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              The Federal Trade Commission has issued a follow-up study of credit report accuracy that found most consumers who previously reported an unresolved error on one of their three major credit reports believe that at least one piece of disputed information on their report is still inaccurate. The congressionally mandated study is the sixth and final study on national credit report ... Read More »

                I Filed Bankruptcy. What Should My Credit Report Look Like?

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                “Dear Steve, I filed chapter 7 bankruptcy in October 2009 and the disposition date was March 2010. I am currently reviewing my credit report, as a means of disputing any inaccuracies found on the report. Issue 1: On credit report A under public record it states that I have a $0 claim amount and a $0 liability amount. On report ... Read More »

                  How Do I Deal With This Old Debt from the Collection Agency? – Tai

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                  “Dear Steve, A collection agency is reporting that I opened a credit card in 2011. I was actually totally unable to get credit by 2011 because in graduate school I became unemployed and had some serious financial problems. I think this is a debt from 2004. Is there anything I can do about this? Thanks in advance. I am trying ... Read More »

                    I Filed Bankruptcy and Creditors Are Still Reporting Delinquent Debts. – Nancy

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                    “Dear Steve, I have a question with regards to bankruptcy and negative reporting by creditors. I filed for bankruptcy on 4/1/13 and the Bankruptcy Automatic Stay kept creditors from collection efforts. The bankruptcy was discharged on 7/31/13 which then reverted the automatic stay to a permanent discharge. From what I understand, creditors cannot collect on the discharged debts, as well ... Read More »

                      Can the Creditor and Collection Agency Both Show the Same Account On My Credit Report? – John

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                      “Dear Steve, Have settlement letter from collection company and will complete the last payment in Oct. The original creditor continues to show the remaining balance of debt and reduces it with each payment that I make to the collection company .The collection company is also making monthly reports that I have the debt but no balance. Is it legal for ... Read More »

                        We Have Some Items On Our Credit Report We Want Removed – Lisha

                        No problem

                        “Dear Steve, We started to have troubles making payments. Did Bankruptcy. Trouble again and we re-fied our house not once or twice about 4! Took a 2nd out… Around and around sprial…. husband lost his job. Lost house. Moved out of state and did Bankruptcy AGAIN! It was bad decision after bad. And it was all in thinking we were ... Read More »

                          Ways to Build Credit Without Relying Solely on Credit Cards


                          For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Only a small portion of your FICO score is based on having and using revolving credit. The first step is to understand what goes ... Read More »

                            I Have an Old Credit Card on My Credit Report. Will It Go Away? – Julie


                            “Dear Steve, There is a credit card debt on my credit report that is more than 10 years old. I can’t get any questions answered or removed from my credit report. I’m in California. How long is the debt collectable? What is the statute of limitation on collecting the debt? What can I do to get it removed? Julie” Dear ... Read More »

                              How Do I Take Care of The Two Old Debts on My Credit Report? – Alexandra

                              help woman

                              “Dear Steve, I used to have a Chase Credit Card for $500. I haven’t used it since 2008 and because of some problems and no money at that time couldn’t afford to pay it out ($331). Now I got stuck with this credit card reporting each month on my Credit history as a collection. Also I have a medical Collection ... Read More »

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