Category Archives: 3 Credit Reports

Judgments Off Of Credit Reports

What if your goal is to improve your credit report and there are judgments on it? When the judgment against you was won by default, you might attempt to set aside that judgment. When you previously paid off or satisfied a judgment, you have to mail proof of the satisfaction of judgment to the credit agencies (bureaus).

Reporting and fixing erroneous judgment statuses to the three credit agencies isn’t a responsibility of the judgment owners, a court, or the three credit agencies. No one starts to fix or investigate anything until you first make something happen. Begin by ordering a current copy of your credit report from the top 3 credit agencies: Experian, Transunion, and Equifax. Try AnnualCreditReport.com to request a free credit report from each credit bureau. Watch out for certain alternate websites which promise “free” credit reports, yet come with hidden charges.

My articles are my opinions and are not, legal advice. I am a judgment broker, and not an attorney. When you ever want a strategy to use or legal advice, you should retain an attorney. When you get the credit report, review the report carefully to verify that all the information on your debts and judgments, and all payments made on them, is accurate. If anything isn’t accurate and you do not owe what is listed, you can try to correct your listing by sending in a credit dispute report. When you do this, file your debt dispute form with each of the big 3 credit bureaus.

When a judgment against you was won by default, and you were really not served notice of that lawsuit, and you wish to assert the judgment was/is a surprise to you; you could try to have that judgment vacated for defective service. That requires another court hearing, and the creditor must get served notice of the scheduled hearing. If you can persuade a judge you weren’t served properly or served at all, you might be successful and get the judgment set aside. Note that even if you win, nothing stops your creditor from suing you once again, buy many judgment owners will not. If you have a court ruling setting aside or vacating the judgment, send that proof to the credit reporting agencies.

What if the judgment was outsourced to a collection agency or a judgment enforcer or a lawyer? In that case, you will need to work with the person who currently owns the judgment you owe, or whoever currently represents the original judgment creditor.

If your judgment wasn’t won by default, or you can’t vacate it, you could try to settle with your creditor, for a fraction of what is due; and that’s worth attempting. Make sure you have any agreements reached with your creditor in writing; so that you may provide the top 3 credit agencies with a copy of the credit account settlement and/or the judgment satisfaction. After your judgment is satisfied, the credit agencies will report the judgment as having been paid and/or settled.

Usually, judgments and other less than perfect items, stay on credit reports for 7 years. They can remain on your credit report for 7 years, however it is not mandatory that they will. To have judgments and other debts removed or marked as being repaid fully, you must first get them paid or set aside, and then dispute them in writing and provide proof; as some people lie.

If you persuade a credit agency to start their investigation, they will contact your creditor. If the judgment owner doesn’t respond, the agency will probably remove the entry. If you can prove it, a judgment satisfaction may be taken off your credit report, or at least it will show up as being paid fully.

If you paid off a judgment, and the judgment owner did not file that satisfaction at the court, begin by politely reminding the creditor that the law says, the creditor needs to file the satisfaction at your court. If the judgment owner will not satisfy the judgment after being paid, you may need to sue the creditor in court, showing proof that you paid the creditor or your court, and if possible, that your creditor took your payment as settling your judgment debt completely. After you prove to the three credit agencies that you paid the judgment off, it might still appear on your credit report, however it will appear as having been paid.

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You Have Three Credit Reports – Review Them All

Nowadays, people no longer carry much cash in their wallets. This is because they no longer need them when buying things. If it is just small items, there is always a credit card. If you wanted to buy a car, a car loan is taken. If it is a house you fancy, you can always get a mortgage. Even an education can be obtained with the help of a student loan.

Getting a loan or any other credit for that matter is not so simple. The bank that will issue the credit will not do it blindly. They will first check your credit background and only when they find it satisfactory will they approve your loan. These financial entities will be able to check your credit history through credit reports. Given this fact, it is vital that you first review all your credit reports before you decide to get a loan and find out your chances.

CRAs or consumer reporting agencies are the companies responsible for gathering and then selling credit information. The most typical type of a CRA is a credit bureau. There are 3 major operating credit bureaus in the country and some small ones. There are also 3 types of credit reports, the annual credit report, the business credit report and the consumer credit report.

Experian, Equifax and TransUnion are the 3 major credit agencies where people get their credit reports from. All three maintain the “annual credit report”. This credit report can legally be requested by individuals from any of the three agencies every year for free. An extra copy will require a fee though.

Most of the credit agencies in the country maintain the “consumer credit report”. This one however is not free of charge but can be requested anytime of the year as long as the fees are paid. You can access the consumer credit report online. Likewise not free of charge is the last type, the “business credit report”. It contains the credit history of a certain company or business.

A credit report basically contains several information, first of which is the “identifying information”. This includes the name and aliases, the addresses and social security number and other pertinent details such as the date of birth, employer details and your spouse’s identifying details.

Also in the report are the credit information and as well as the public record information which includes banks accounts, loans, court records, etc.. Lastly, the credit record will also include recent inquiries such as the people or companies that obtained credit report copies the past year or two.

It is vital that you get a copy of all three credit reports and review them well. They are quite important if you wanted to get future loans. By reviewing them before applying for a loan, you will prevent possible problems such as inaccuracies or errors. Credit reports are known to contain errors. Likewise, you will know the chances of your loans if you already know what your credit report contains. No unwelcome surprises.

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Your 3 credit reports and results

Credit guaranteeing agencies — also called bureaus — tend to be exclusive companies that gather details about your 3 credit reports from creditors like banks, credit card companies and knowledge loan companies. You’ll find three major credit verifying agencies into the U. S. shows: Equifax, Experian and TransUnion.

Not every lender utilizes all 3 credit file. Most just pull one report, but you could have no clue what one. Some may pull all 3 credit ratings and reports as well, nonetheless.

Once you make application for credit from an innovative new loan company (a charge card, mortgage or maybe a vehicle loan), the financing provider could easily get a duplicate of the credit history from all three confirming companies. Since these credit reviews offer the many detail by detail and accurate image of credit credibility, the loan supplier will base their choice mainly about what particular reports state. Your 3 credit reports could be totally different from both.

Each loan agency works separately and plenty of financial institutions never also report your repayments to assist your credit rating along with three bureaus.

Therefore it is entirely possible that your entire three credit scores are going to be slightly various.
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Associated 3 Credit File Articles

Target Data Breach Protection Tips: Order All 3 Credit Reports: Equifax, Experian & TransUnion

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All 3 Credit Reports How To Get Them And What They Contain

Many people today are concerned for their credit and what is reported on them. All 3 Credit reports provide you a snap shot of what is on your credit record from loans, inquiries, balances and more. When you want to get your own copy there’s a few places to look and if you need some information corrected there’s a few ways how. In today’s world it’s never a bad idea to be in the know especially when it comes to your finances.

When you actually sit down and think what goes on your personal credit record to the 3 credit reporting agencies, here are a few examples. All of the 3 can be slightly different from each other such as balances and how quickly the info is updated. These credit reporting bureaus report on such things as your current outstanding loans, opened lines of credit, payment records and your name and home address. There may be some slight differences in your beacon score however when a lender considers you for a loan they generally use the score that is in between the other two.

To find a recent copy from all of the 3 major credit bureaus there’s a few methods to obtain them. Going on online is one of the quickest and easiest ways to get and find what you want. While in some cases there are ways to receive your report for free there are plenty of companies out there to choose from. In recent years there is a government web site that can provide you with each of these records for free. However these can only be accessed once per year for each of the agencies out there.

When you do get a copy of a recent credit report and notice something is not right there are a few methods to correct it. You can start by making a call to the credit agency where the error was reported to open up a case. This can begin the process of sending an inquiry to make a correction on the credit report which may take sometime. You still have the option of printing out a dispute form and mailing it in with some other supporting information which can be found on the internet. When doing this some patience is needed since it may take some time to get this taken care of.

Dealing with identity theft can be a nightmare especially when someone got a hold of your personal information and proceeded to open up lines of credit. While there are a few methods to combat when it does happen there are also some ways to prevent it too. Prevention being one of the main ways to combat this ever growing crime is easier with a little help. Many companies can not only provide you with alerts and access to a recent credit report but also provide you with insurance for a set fee. When you are looking to protect yourself and your personal finances this can be a good idea.

In today’s modern times the information that is reported on all 3 credit bureau reports is very important. Your private credit record is vital if you are planning to apply for a car loan or build a good standing credit history. It can be very easy to get a recent copy of your personal credit bureau record through the numerous companies on the web in very little time. If you are like many people you are wanting a better financial outlook in life and protect your interests by monitoring your credit.

Click here for more information: check my credit score and how to get a copy of my credit report

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Credit Reports From Experian and TransUnion, Are They So Good?

The ability to see your own credit report for free has taken America by storm. Many companies are overwhelmed with the amount of people requesting to view their credit report. A free online Experian credit report might be the way to go. Getting your free online Experian credit report is very simple. You just enter your details and within a few clicks of your mouse, you will be viewing your own free online Experian credit report.

If you want to use the free online Experian credit report, then you have to be aware of the charges that will occur if you do not cancel your online membership. Once you have signed up and used the free online Experian credit report, then you will have 30 days to cancel your membership if you do not want to use the service anymore. Otherwise you will be charged monthly on your credit card. A free online Experian credit report is a great way to check your credit rating from home. Also, if you are with Experian, then you know that you are with a very respected company that will always look after your needs. Experian (formally known as TRW) is a credit-reporting agency, which means that they have a lot to live up to. They always meet their customers’ needs and they have a very professional website; they know what people want when they request their credit report, and they know how to deliver something special.

The service offered by Experian is virtually unmatched by others. It seems that the only benefit that the other companies can offer you is that they can show you all 3-credit reports at once, including Experian, Equifax, and TransUnion. But Experian offers quality customer service as well as an easy to navigate website. The choice is yours.

A credit report score from TransUnion is a great way to get an up-to-date and accurate credit report. You know that you can trust your credit report score from TransUnion; this company is one of the three major credit-reporting agencies and will always have your name on their files. You can get your credit report score from TransUnion while surfing the web. Their website is easy to navigate and you can become a member within minutes. You can then pull up your credit report score from TransUnion on your computer screen within a matter of minutes.

You might find one day that your credit report score from TransUnion is different from a different company. You can then query this mistake and have it sorted out for you in a couple of days. Isn’t it better to find out this kind of mistake sooner rather than later? With the TransUnion website, you can get your credit report score from all three major credit-reporting agencies. This allows you the chance to compare and see if there are any errors that might appear. If there are, then you can get in touch with either on of the companies and inform them of the error on your statement. We all know that one small error can cause you a lot of problems, such as being turned down for credit. So it is best to always keep up to date with your credit reports.

A credit report score from TransUnion will let you know your chances of getting accepted for credit. You can just switch on your computer have a glance at your credit score and know if you will be accepted or not. If you want to keep your credit rating in a good standing, then you will need to keep up to date with any payments that could bring it down. Once you are out of the red, you will never want to go back.

Emanuele Allenti offers valuable tips and help about credit reports at best credit reports and cheap credit reports websites. Enter now!

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3 Free Credit Reports From the 3 Bureaus

All details about your identification and financial behavior are contained in your credit report. The 3 basic heads are – Public record information, Credit information and Personal information. It is from this information that your credit rating is done. However, more importantly, credit reports help you to manage your finances better, and you also know that if you are being cheated, you can get redress.

A sample of the Experian credit report is as follows:
– Report Number – this is to contact Experian online
– Index – to navigate through your report
– Potentially negative items – includes creditor’s name and address, your account number, account status, overdue child support, bankruptcy, and unpaid tax
– Status – indicates the current status of the account, your credit limit, balance, and loan amount & payment pattern. If you think there is a discrepancy, you could contact them immediately to start the rectification.
– Accounts in good standing – list of accounts which have positive status
– Type – whether your account is a revolving or an installment account
– Request for credit history – either by you, or by those with whom you have transactions
– Personal information – where you give your name, addresses, telephone numbers, social security numbers, date of birth, current and previous employers
The TransUnion credit report would feature:
– Personal information
– Employment information
– Geo code – indicating your Geo status
– Report Summary – this would include all transactions, monthly payments, loan instalments, and payment, as well as the balance of accounts
– Scorecard – this would give the score and the reasons for that score
– Collections – this would show all dealings with creditors, and the balance of accounts
– Public records – which would include assets and liabilities
– Trade lines – would show credit limits, and payments of all transactions
– Inquiries – which include insurance, personal finance statements, records of credit card and travel/entertainment
The Equifax credit report would show:
– Personal information
– Public records and other information
– Collection items which may include a customer statement

All 3 credit reports are easily accessible. TransUnion, Equifax, and Experian all monitor the reports on a daily basis. They all offer 24/7 customer care support, and give up to $ 20,000 identity theft coverage insurance. They also offer an Interactive Score Simulator which can help you with best financial practices to improve your credit score. You can also acquire a consumer credit report which features all 3 agencies. This will guarantee that all the information that you have on your credit report is authentic.

Click Here to get a FREE credit report if you are in the USA and Click Here to get a FREE credit report if you are in the UK

The most trusted credit checking companies.

Every 12 months you are able to get free credit reports from all three credit agencies, which are TransUnion, Equifax, and Experian.
https://www.annualcreditreport.com. This is the only site that allows you a free report by law. You can also purchase a FICO score after your receive your credit report from the same website.
Your credit report and FICO score are separate. You will probably have to pay a small free to get your FICO score.

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How To Remove Collections From Credit Report – 3 Strategies

how-to eliminate Collections From credit history - 3 methods

The inside scoop on how precisely to eliminate choices from credit report files, and most effectively rebuild your credit. These three methods together with most effective customer tools to fight straight back, and shield their liberties. For more check-out an article at: http://www.yourbadcreditcard.net/remove-collections-from-credit-report/

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