Credit report Q&A

Can one denial item show up twice on your credit report?
I am trying to fix some of the stupid things I have done contained by my life. One of the things is that I enjoy a ring I bought for my ex wife that went unpaid, and eventually charged bad. Knowing that I need to fix this, I am interested within trying to pay this debt sour. The company that I financed this ring with go bankrupt, and I presume my rationalization was assumed by another company.Anyway, when I pulled my credit report, it shows I own 2 separate negative items...one next to the original company, and again near the company that assumed it. Is this right? Can I be "doulbe whammied" for one debt?My second question is how do I turn about getting one of them removed from my credit report? Do I stipulation to dispute this with the credit bureaus?

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 the creditor or collection agency remove a collection information from my credit report? How to convince?
I graduated and begin a new brief. I went to India for 6 months.While i be away, I recieved a hospital bill. When I returned, I discovered it had be sent to collections. I called the hospital and salaried the bill. I moved across the country (east to west coast). I called the collection agency verify that it have been imperfect as paid. I very soon have one collection rationalization on my credit report marked as compensated. I have be turned down for certain benefits because of this recent collection explanation being on my credit report. I tried file a dispute online w/ equifax (the CRA reporting the collection account). Because of my recent changes within address, the online/phone methods fail to verify me, so i cannot charge my credit report. Now I am supposed to mail within several pieces of POA to validate my current address.Before i do this, is it possible for the creditor or the collection agency to remove the account from my copy? If so, i'd like to try it b/c at smallest i can talk to someone.

Can they do this?
my husband had an outstanding go together with verizon who sold it to pinnacle credit services. they never contacted us in the region of it being sold, and the outstanding stability shows up negatively on his credit report. they have also almost doubled the be a foil for on this. can they add adjectives of the extra money on there even though we never know about them owning the picture?

Can they hang on to key an item as "Key Derogatory" on my credit report?
I had a small loan that be included in my ruin (chapter 7) back contained by 2004. Well, I checked my credit report, and the creditor has made sure to report this loan,every month, adjectives the way from 2005 to May of 2007, next to a "KD" ("key derrogatory") record!Are they allowed to do this? Why can they just not settle that it's on my ruin, and leave it alone!? Does it use up my credit score (which I own tried to keep positively PERFECT since my bankruptcy) if they keep key it like this, vs them NOT?Can I dispute this and trademark them delete all the "KD"'s on my report, seeing as it's something from 3 yrs ago, already?

Can you enjoy inquires removed from your credit report?
I was wondering if you can hold inquires removed from your credit report. I recieved a copy of mine and my husband's credit report and there enjoy been 75 inquires within the last 360 days. I know that too lots affect your credit score.

Can you gain a mortgage near a really really low credit gain?
My co-worker and I were chitchat and she wants to buy a house but she say her credit score is similar to 502, as low as it can go right! But she have a good commission (now) and is working to clean up her credit report. There's a condo she requests to buy but she's afraid she'll get laugh out of the loan department with her unpromising credit. Is it possible for her to get approved?

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!

Can you officially catch out of a loan that u r the co-signer on?
i co-signed with a cousin but immediately it's keeping me from puchasing a house b/c it shows on my credit report so can i get out of it surrounded by MS?

Can you own matching bill reported 4 dfferent times on your credit report?
I owe Check N Go from last year.On my credit reoprt it say:Asset Acceptance$549 CheckNGoAAC $549 CheckNGoNCA $549 CheckNGoDRS Bonded $549 CheckNGoThis is all impossible to tell apart bill, can they do this? And one of them put under "Date Opened" 02/2007 so it looks close to this just happen when it happend a year ago. Is that legal?

Can you pay cheque someone to increase your credit win?
I saw an add where on earth you can pay a company to remove cynical things off your credit report to increase your credit rack up. Is this just a scam or is it the unadulterated thing?

Can you seize rid of settled charge offs on your credit report?
What about if you salaried the whole amount owed?

Can your credit gain be superior by decreasing credit margins and will this effect adjectives credit edges?
I actively use 7 different cards because of the various rewards so, I do not call for the high credit cut back associated with them. I just this minute pulled my credit report and it noted that the high un-used credit cut back was pulling down my rack up. I would think that I could moderate my limits on the cards, but, I dont want to lead to future credit boundaries to be impacted by this.

Capital One and Credit Reporting?
I have have a Capital One card for almost 2 months now. For some sense the card doesn't show up on my credit report. Does anyone know how long it takes companies to report a brand new account to the credit bureau?

Car Loan Question!?
If I am the primary person on the vehicle loan and my dad is the cosigner on it whos credit report does it show up on?? I heard that the primary entity only get 30% of it and the cosigner gets approaching 70% of it whether is is good credit or desperate and I think its wrong?? The foundation I neeed to know is because other than this motor loan i have doomed to failure credit and i need to know if have the loan in my autograph with adjectives payments made on time and the motor being rewarded off will help out my credit??

Charge bad from 1995, shouldn't that drop rotten my credit report by presently?
I was 18, dumb and have a CC, enough said. I don't own enough to wage a settlement amount let alone payments. Please don't narrate me what I already know about my choices. Just would approaching the answer, thanks

Charge past its sell-by date debt and State Statute of Limitations?
I have 2 debts on my credit report that are both charge offs. Both are credit card debts over the amount of 1000 dollars. I made discouraging decisions when i be younger and i am trying to get them any payed, by getting the debtor to agree to a paid within full status on my credit report or explore the option of the state statute of limitations. The statute of limitations contained by texas is 4 years... so does this mean they can no longer collect on this debt? If i claim the SOL does this miserable the debt still remains on my report or can i write the bureus and try to get this taken bad?

Chase Credit Card?
I applied for a chase credit card about a week ago, and they said that I hadn't be denied, but I haven't been approved any online. If I still haven't heard from them however is that a good sign, or a impossible sign? I've had discouraging credit in yesteryear and I just get everything cleared up on my credit report and i'm anxious to get my credit wager on up, so i'm hoping to get a bright credit card with a low fixed amount. Thanks!

Checking credit report validation...?
When I was checking my credit report, it say that I took out a mortgage in February of 2002 and asks for some information in the region of it in directive to verify that it is my report.Problem is, I have never taken out a mortgage...ever. Is it possible that this is a trick examine as on all of the question there is a none of the above response? Has anyone else hear of or had this problem?

ChILD CrEDIT RePORt!!?
I'm 17 years old nearly to be 18, and there have been stuff put on my credit by my guardian. I've go on annualcreditreport.com before and own gotten some of the things took off, but presently I cant see my credit report anymore withput a credit card which I dont have. How can I steal a look at my credit report and also how can I get the accounts rotten.

child support?
My BF has a child support judgement on his credit report. It's compleltly rewarded up in full and his have paperwork proving it. This is the only debt he have on his report. Even though it's paid up he can't appear to be able to draw from any form of credit to rebuild or should I vote start building his credit. He never had any prior accounts anywhere. How can he procure this off and also how long does it embezzle to come off?

Citifinancial reported motor as Repo but will not pilfer it?
I have a 97 Taurus that I enjoy paid on for 4 yrs near an interest of about 22%. The departed year I have have to replace the transmission twice and once again the vehicle is not running. I can not afford the payments and the repairs. I tried to refinance with them next to a lower percentage, lower payments, pay past its sell-by date amount, etc. They would not accept anything and enjoy added interest and are now recitation me that I can not make payments anymore that I owe them $7k to attain the title. I told them to take the coupé back more afterwards once I asked where I can voluntarily return it and they want thieve it. They said it is not worth the money for them to take it stern. They have it down on my credit report as charged off/repo. Now I have a coupé that I am paying insurance on and that does not run and no title! I need to turn get another motor that runs. I do not have $7k to payment them off. Any suggestions?? How can I catch rid of this car? I could fix it and they could pocket it at any time ..since it is listed as a repo

Cleaning up your credit report?
hello, i have gotten copys of adjectives 3 credit reports , there be at least 12 on respectively that should not be on my report and some items that were rewarded , and this is not noted on the reports , my question is they the credit reports will investagate . what do you devise my chances are that they will update and delete certin items ?

Clearing my debt?
how would I go more or less clearing my debt? I have around 2,000 dollars that I owe to an apartment complex that my roomate and i use to live at. they claim we messed up a lot of stuff at the apt..which is so untrue, but its be a long while and i want to pay it, because me credit chalk up is bad because of it. on my credit report it say sky recovery services. is this the company that i telephone to get my credit fixed? and if so what do i report them? thanks!!

Clearing up a Judgement?
O.k. so my husband has a judgement on his credit report for some furniture he bought a while ago. Its for ago 2 Gs. The intact judgement thing is nearly 4 years old. Is within anyway we can clear this up and get it rotten his credit report fast ! Thanks

Closed hospital on credit report item item remunerated looking for removal?
My husband has two refusal items on his credit report and they are medical bills from a now closed hospital. He have a staff infection and without insurance at the time. The hospital is immediately closed for the last few years and looked-for to write a good will dispatch for removal but now powerless to reach any source. It have also gone to NCO financial which is not the best collections agency to deal beside. Any suggestions? Any legal recourse?

CLOSED report still showing on credit report...?
Is there a reminder I can write?? OR something i can do? I have an statement that has be closed over 2 years still showing on my credit report.it doesnt have the greatest history any... can u HELP PLEASE!!

Closing a credit card tale explicitly sitting? How much will it affect my credit report?
I've had this depiction for about two years, and I haven't used it within a long time, and I'm thinking of closing it but I don't know how it would affect my credit report. This is a secure credit card, next to only a $300 closing date. I have two other credit cards that I use like mad more often and I've be very responsible roughly speaking paying bills on time.

Closing checking story bleak for credit?
I recently moved from California to New Jersey. The guard I used in California is lone a west coast bank (Bank of the West) so when I arrived here I open a Bank of America checking account so I own a local bank. Is within any reason to hold the California checking account even though it won't be used so it won't be unenthusiastic on my credit report?

Collection Account Transferred/Sold - can it be delete from credit report?
A company I'll call CA1 have my account tabled as "account transferred/sold, charge off" on my credit report. I call CA1 to request info on this account and be told that it had be sold and to whom. I them called the spanking new company, CA2, and after receiving an agreement within writing that they would not report, paid them bad in full.Since CA1 no longer owns this story, does this *have* to be deleted when I dispatch in my request to the credit bureaus? Everywhere I've looked for info this specific area seem vague, any relief would be appreciated.

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