Can rental leasing office report us to credit bureau? Long Story... if we break our lease but inform

Alright here is the deal. We have been at this apartment for 2 years almost. It is here in Miami When we first moved in it was me %26amp; hubby %26amp; our almost 6 month old son. The leasing office said the rules were no more than 2 people per bedroom but since he was just a baby we could get the 1 bedroom, because of our credit score we had to put a double deposit of $1,580, fine we did. I found out I was pregnant and asked for 2 bedroom on first floor. We resigned lease because she said as soon as one became available she%26#039;d move us. Baby is now born and 3 months and still no 2 bedroom. We just got approved to buy a house. I don%26#039;t care if we lose deposit but she says she will report us to credit bureau if we dont pay an extra $1,000 on top of that. Lease says we can terminate with 30 days written notice, last months rent %26amp; $200 plus another month%26#039;s rent %26amp; forfit deposit ? We cant afford all that and mortgage. What should we do? Can she report to credit. Isn%26#039;t it illegal to have 4 people in 1 br?

Can rental leasing office report us to credit bureau? Long Story... if we break our lease but inform them....?

Rather than get evicted, you signed another lease because you were pregnant. You have already waited 3 months plus the 9 you were pregnant for a larger apartment. You are still in the small apartment you were told you could not stay in.

There obviously is not a vacancy problem if there have not been any in this amount of time. She shouldn%26#039;t have a problem renting the unit you presently live in. DO NOT turn down the chance for a house.

In my state the only way a landlord can take you to court %26amp; report you to the credit bureau or anyone else is if you owe %26amp; don%26#039;t pay rent. But you have been paying rent. How long are you expected to wait for this apartment? You have waited long enough. Time to go.

I would think the very worst that would happen is you would loose your security deposit. Which under the circumstances I don%26#039;t see why you should give that up either if you can give a 30 day notice. This is worth talking to an attorney about.

You are getting taken advantage of in this situation.

Can rental leasing office report us to credit bureau? Long Story... if we break our lease but inform them....?

Legally you need 40 square feet of bedroom space per person, so I don%26#039;t think you have a space problem.

Yes, she can report you to the credit bureau that you broke a lease.

If it%26#039;s illegal to have 4 people in a 1 bedroom, it%26#039;s you who%26#039;s breaking the law since you%26#039;re there voluntarily, not her. It%26#039;s not her responsibility to find you a place.

Your biggest mistake was agreeing to re-sign the lease instead of going month to month. So you might need to stay until the end of this lease, OR see if you can sub-let it and move out.

Can rental leasing office report us to credit bureau? Long Story... if we break our lease but inform them....?

She can report it to the credit bureaus without a judgment because it is a written contract.

She can sue you and get a judgment for the amount she specified since it%26#039;s in the contract.

She can put a lien on your new home after receiving a judgment.

Has anyone exchanged full payment in exchange for removal from credit bureau with a collection agenc

Please help, I know there is no difference to the credit bureau if an account has gone to collection and you pay it off or not they are still both black marks but I guess better to have paid black mark then unpaid black mark but I was told my credit counsellor that you can try and plea bargain with collection agent to exchange payment in full for removal from the bureau, and be sure to get in writing and then if they don%26#039;t do it then you can forwwward receipt and copy of letter to credit bureau on your own. Anyone done this? How did you do it? which collection agency? did they do it? Please help my future career depends on it!!!

Has anyone exchanged full payment in exchange for removal from credit bureau with a collection agency?

This is called a pay for delete agreement and you must get this in writing before you pay a dime.

I have done this and yes it does work.

If they do not agree to this there is no way you can get the information removed yourself.

Has anyone exchanged full payment in exchange for removal from credit bureau with a collection agency?

they don%26#039;t work...........

Has anyone exchanged full payment in exchange for removal from credit bureau with a collection agency?

Spiff is right.

There are only two ways you can get negative information removed from your credit report.

1) The creditor must delete it himself

2) The creditor fails to respond to a dispute investigation from the credit bureau.

When you pay off an old debt, all the creditor is required to do is update your account to show %26quot;paid%26quot; and have a zero balance. But all notations about late fees, collections and charge-off%26#039;s will still be there, hurting your score.

Therefore, contact the creditor who posted this on your history and offer to pay off the debt, but ONLY if they delete it from your credit report. Get this agreement IN WRITING before you pay them a dime.

If they refuse, don%26#039;t pay the debt. What%26#039;s the point? You are trying to fix your credit, and if paying the debt won%26#039;t help, why give them a penny?

Freecreditreport.com? Does this site have the same thing the credit has on file?bureau?

Ive been wanting to fix my credit. does this site actually have all my credit on file or is going to the credit bureau the best way to go?

Freecreditreport.com? Does this site have the same thing the credit has on file?bureau?

I believe that freecreditreport.com is the only website that gives you one free report per year.

Be careful because fake sites just want you to enter all your info for obvious reasons. So your answer is yes, it does have what all three have on file.

I monitor my credit monthly for $10 a month that gives me access to all three agencies. Most other sites charge you $30 per report. If you spend the $10 you can track discrepancies and write to the agency to investigate the info - its worth it.

www.mycreditreport.com

I do this each month if necessary. Its taken me more than 3 years of consistent monitoring to get me up past 650. Also, make sure you make at least the minimum each month because one late mark will kill your number and it will take months to help your score.

Good luck

Freecreditreport.com? Does this site have the same thing the credit has on file?bureau?

The best website to go to for a free credit for all 3 is www.annualcreditreport.com.Theres no fees involved it%26#039;s absolutely free!Oh yes they do but you have to pay a monthly fee this website you talking about! i have given you it has everything that the credit bureau this website is better than the credit bureau!Free no fees for the website i have given you.

What happens when your credit card payment goes to the credit bureau?

I have a credit card that i could not make payments on for 3 months. And the result of this made them send the account to the credit bureau. So i am wondering now do i have to start making payments to them or do i have to pay the whole amount? if i have to pay the whole amount what will happen if i cant make the payment?

What happens when your credit card payment goes to the credit bureau?

They should be contacting you shortly about setting up a payment plan or paying off the whole amount. Don%26#039;t keep sending money to the credit card company because they have probably passed it on to an outside collection agency by now.

What happens when your credit card payment goes to the credit bureau?

When you get reported to a collection agency they are now in control of the account and you should make arrangement with them.Now they become the agent of the credit card company and their job is to collect from you.They get a cut of the amount they collect for their services.Call them up and make payment arrangements( otherwise the interests may still be accumulating depending on your card agreement )and that will help repair your damage credit rating.

What happens when your credit card payment goes to the credit bureau?

You%26#039;ll be getting a call from a collection agency. You will be asked to pay off the debt, the interest and any extra fees.

You might still be able to contact the credit card company and work out some form of payment. Otherwise contact the credit bureau and speak with them.

Ideally you didn%26#039;t use you credit card while you weren%26#039;t able to make payments. Plus you hadn%26#039;t maxed the card out.

Most companies will accept a good faith effort to repay.

Don%26#039;t try %26quot;reduce you debt now%26quot; or %26quot;consolidate you debt schemes.%26quot; You%26#039;ll probably just add another collection agency to what you have now

What happens when your credit card payment goes to the credit bureau?

When you say %26quot;sent to the credit bureau%26quot; do you mean they reported you to the credit bureau or did they refer you to a collection agency? There%26#039;s a BIG difference. If it%26#039;s the latter:

The collection agency will send you a bill. Call them and negotiate a settlement. Or negotiate a very low monthly repayment plan.

Your credit rating has already taken a huge hit. You may as well negotitate a lower setllement with the collection agency.

Collection agencies can be negotiated with. Offer them WAY LESS than you owe. Remember, you can always threaten bankruptcy. If you file bankruptcy then the collection agency will get nothing. A little something ($) is better than nothing.

Collection agencies don%26#039;t make money unless you pay them something. So you%26#039;re now in a position of some power.

However, If you%26#039;ve been reported to the credit bureau there%26#039;s nothing you can do about it. Either way, you%26#039;ve already been reported to the credit bureau and had your credit rating reduced.

Can capital 1 continue reporting negative info to credit bureau from an acct that was DC CHPT BK in

Capital one keeps reporting a high balance, past due, and other negative info to the bureau. My transunion report stated that the estimate time of removal was 4-2007. It did come of my transunion report but two weeks later it came right back on with one of the accounts as being open. (I had 2 Capital 1 Cards). Now how can the bureau remove it and put it back on. Isn%26#039;t that in violation of the credit laws to change dates. Now all three bureaus state 1account would fall off in 4-2008 with the other falling off in 2014.. Help me

Can capital 1 continue reporting negative info to credit bureau from an acct that was DC CHPT BK in 2001.?

Without a lot more details it is difficult to answer this question. Generally the item will fall off your credit after 7 years. You say you had two Capital 1 accounts. The one that was bad and fell off your account, when was the last time that account had any activity on it? Generally, if it falls off the Credit Agency Report it will only be put back on if it is again reported to them by the original creditor. You may want to dispute it. GOOD LUCK

Can capital 1 continue reporting negative info to credit bureau from an acct that was DC CHPT BK in 2001.?

I am not understanding your shorthand in your question. Generaly speaking negative information can remain on your report for 7 years from date of last activity.

Is there a way i can look up a credit card by which credit bureau it uses to rate a person's cr

here%26#039;s the thing... i%26#039;ve checked all 3 credit bureaus and i have good scores and bad scores, so is there a way i can lookup a credit card company by the credit bureau it uses to determine whether to give a card to someone or not? does that make sense? lol.

Is there a way i can look up a credit card by which credit bureau it uses to rate a person%26#039;s credit?

Yes you make sense lol

The first link is to a yahoo group that lists cards by many different ways, one of which is what credit bureau was pulled for what card. You can even look to see what cards pulled which bureau in your state. (every once in awhile a creditor may pull different bureaus in different states) Plus it usually gives what the persons score was at the time of applying.

The second link, if you go into the credit forum, many people talk about what cards they have been approved/denied for, who pulled the inq, what negatives they had on the report etc.

Is there a way i can look up a credit card by which credit bureau it uses to rate a person%26#039;s credit?

just get the credit rating of the person that you may be getting the card for, if the rating is bad then don%26#039;t let him/her have it from you.

Is there a way i can look up a credit card by which credit bureau it uses to rate a person%26#039;s credit?

Usually that information is in the itty-bitty print on the little booklet of fees and charges you receive when you get a new card. If you call the info line on your card they should tell you who they use. Sometimes they use one or all three agencies to assess a credit score.

Is there a way i can look up a credit card by which credit bureau it uses to rate a person%26#039;s credit?

If all 3 of your Credit reports are different from one another you need to dispute and change them so they are all consistent with one another.

Most large banks pull multiple Credit reports so if your reports are different, the lowest score one will be the one considered to make a credit decision.

Filing a complaint against the Credit Bureau?

Over 4 years ago i sent information to all 3 credit bureau%26#039;s disputing information. Only 1 took action and deleted or updated information. It did not seem to be a problem until recently. My scores were almost 200 points lower than Trans Union. I want to file a complaint because I did allot of work trying to clean up a mess. A sent hard copies and disputed the information. Does anyone know how to file a complaint or what legal rights I have?

Filing a complaint against the Credit Bureau?

I%26#039;ll be waching this answer. I want to know too.

Is there justice for poor people?

Filing a complaint against the Credit Bureau?

Take the score from the other credit union and make a copy and send it too them and show them. Tell them your not happy and you want it cleared up. You will have to write a wriitten letter to them. You can go online and go to there website and download what you need.

Filing a complaint against the Credit Bureau?

By Law, if you file a complaint with the credit bureaus, they have to respond within 30 days of your request. If they haven%26#039;t verified the validity of your claim within 30 day, then they MUST remove the record in question.

You can re file an investigation and give them 30 days to respond. make sure you send it via certified mail with a return receipt so you know when they received it and when their 30 days will be uo. If no action was taken by the credit bureau then you can contact them and let them know that they have exceeded the allowable time to correct an item and to remove it from your record.

Good luck!

Filing a complaint against the Credit Bureau?

When you file a dispute with a credit reporting agency, they will contact the creditors who provide the information, get a response from those companies, then update your credit file, sending you a result letter and a new credit report in the mail.

When you received your results, did you follow up with the companies? Why would you wait 2 years before making sure the results were accurate? Have you contacted the creditors who are reporting this information to let them know it is wrong?

These are all questions that need to be answered, but if you believe that nothing was done, and the companies ignored your request to dispute inaccuracies on your credit file, contact the Federal Trade Commission and file a complaint there. That is the agency that governs credit reporting agencies.