If ONE credit bureau deletes something do they all have to?

Recently I had several things deleted off my credit report(s) by disputing the information underneath of the Fair Credit Protection Act. I got all three credit scores and I disputed all of my debt online through all the three credit bureaus. Well, several things were deleted off of my Experian and my Equifax. Actually almost all of it. But, they are all different things!

My question...if something is deleted off of your credit report by ONE credit bureau do they ALL have to take it off or how does that work?

I have a 4,000 Repossession that was taken off of my Equifax report but not my Experian and I just want to know if they have to take it all off. To be honest I owe the money otherwise I wouldn%26#039;t care. But, I have worked long and hard to fix my credit and I was wondering if that meant that I was clear of it on there at least.

Thanks! Please only answer if you know for sure! This is SO important to me!

If ONE credit bureau deletes something do they all have to?

Nope....the 3 credit bureaus are completely independent firms....They are all required to report accurately per the terms of the Fair Credit Reporting Act....so theoretically they should all be reporting the same info....yet it doesn%26#039;t always turn out that way.....Still, there is no requirement that they have to report all items exactly the same. In this case you state the debt is accurate...so you can%26#039;t send your Experian credit report to Equifax and force them to remove accurate negative info based solely upon the Experian report not showing it....

If ONE credit bureau deletes something do they all have to?

No, the credit bureaus will report what the creditors report to them. They are just a repository for information provided by data provider

Here is a good article about this, plus alot more about credit.

http://www.creditscorequick.com/2008/03/...

If ONE credit bureau deletes something do they all have to?

you have to work at getting the info off of each one individually. It can take time and frustration....be persistent! Hope it works for you.

If ONE credit bureau deletes something do they all have to?

YOu are not the only one,I have met this type of problem before.I have good experience here to solve the problem though.http://creditreport.expertsupport.info/f...

Debt Validation - Credit Bureau?

I sent a Validation of Debt letter to company listed on my credit report. They did not respond to my request. I sent letter to credit bureau (TransUnion) asking them to remove item; however, they sent me a letter back stating that the debt was verifiied. I do not know what this debt is for and neither the bureau or company are providing me with requested documentation. What can I do? Is there another letter that I need to send out to credit bureau?

Debt Validation - Credit Bureau?

Well first off, whoever this company is just violated the Fair

Credit Reporting Act by verifying an unvalidated debt.

By law, once a collection agency receives a demand to validate letter they must cease collection activity (which includes posting to the credit bureaus) until the debt is validated.

Did you send this letter certified mail return receipt (CMRRR)? If so, you already have them on the hook for one violation of the FCRA, which you can use as leverage to get this removed. If you didn%26#039;t send it CMRRR, you need to do so again.

Assuming you sent it CMRRR the first time and have the signed copy of the green card, wait 30 days from the date it was received and send a 2nd letter, stating they have not validated the debt and are in violation of the FDCPA. Usually they will remove the listing at this point.

If, after 15 days from the date they receive the 2nd letter the listing has not been removed or validated, send them a 3rd and final letter stating they have 5 business days to remove the listing or you will sue them (and you WILL win!)

This first link is a flow chart that breaks down the process.

http://creditinfocenter.com/rebuild/debt...

More info on debt validation, including links to FTC opinion letters.

http://creditinfocenter.com/rebuild/debt...

Feel free to contact me if you need any further help dealing with these people.

Debt Validation - Credit Bureau?

Follow Crazy%26#039;s advice. But note that debt validation is only required if this is a collection agency, attorney, or other 3rd party collector. If it%26#039;s the original creditor you are contacting, they do not need to validate the debt under FDCA laws.

But if you are certain this debt is now yours, and you have notified the creditor of this fact, they are still required to supply you with some sort if verification and must delete this from your report. Failure to do that could result in more penalties to be filed against them. It is now considered %26quot;willful neglect%26quot;, as they are knowingly posting inaccurate info on your report. In addition to more fines, they could lose their right to access anyone%26#039;s credit report due to terms of use violations.

Also, send a letter the credit bureau, but demand that they tell you the %26quot;means of verification%26quot;. What this means is you want to know exactly how they verified this, who they talked to, and how you can get in contact with that person.

If is this a collection agency...read on!

Crazy is more generous then I am...I don%26#039;t take it to the 3rd letter.

But if you do, try this. Go to your local court and pick up a small claims court form and fill it out. Send it (along with that 3rd letter) to the collection agency. When they see that, they will know you mean business.

I%26#039;d give you a great link to a site on how to sue creditors, but I am not at my normal computer with that info. Contact me if you need more info.

Credit Score on Credit Bureau Report VS FICO Score, Is it the same thing?

I pulled up all 3 credit Bureau reports online...got 3 seperate scores...Is each individual score the same FICO score that lenders go by when considering you for a credit card?

Credit Score on Credit Bureau Report VS FICO Score, Is it the same thing?

There are three credit bureaus...each is a separate, independent company and they use slightly different scoring models...They each have their own FICO score model. Because of this you will see different scores...

Credit bureau dispute process?

Trying to get ahead of the game, I have disputed some items on all 3 credit reports and want additional info. If a company reports only to 2 bureaus that info is current and accurate but fail to notify the 3rd bureau, is it enough cause to have it removed from the other bureaus? So if a company fails to report to all bureaus and an item is deleted from one can you have that same item deleted from another?

Credit bureau dispute process?

No , they dont have to report to all the bureaus. They can report to the one they report to...just like when you run your credit llets says to get a credit card or something they only check one place not all of them.

They wont delete them.

Credit bureau dispute process?

No. It is the prerogative of the reporter to which of the bureaus, if any, they report. Your only basis of complaint is if the information contained in ANY of the bureaus is inaccurate. You have a right to have it corrected.

Credit bureau reporting I'm deceased.....(anyone heard of this)?

The last credit card I got was prob. around sept. %26#039;06, then oct. %26#039;06 I applied for pay pal on e-bay. I got denied and got a letter stating the reason why is CREDIT BUREAU REPORTS APPLICANT IS DECEASED. All the numbers I tried to call were automated and I couldn%26#039;t reach anyone. Recently I applied for a home loan just to see what my boyfriend and I could get approved for. I warned the guy that my credit report stated that before. So of course my credit report came back saying the same thing. Only for Experian and Equifax, not for TransUnion. I have been having problems getting ahold of someone there. I sent letters asking what I need to do. Finally I found a number where I reached someone. They were rude at first and confussed. (imagine how I feel). Finally they said send a notorised paper stating that I am alive, a copy of my ID, and a electricity bill. So I am getting that done, asap. I%26#039;m just nervous why my report says that and if this will fix it. Has anyone heard of this? It%26#039;s scary

Credit bureau reporting I%26#039;m deceased.....(anyone heard of this)?

Send a certified letter to all three credit bureau%26#039;s--they have to sign upon receipt. Your social scty number is still active which is proof you-- yourself is still %26quot;active%26quot; not deceased.

You can include any other bill as evidence (any one can obtain electric/water ect in a name) but a copy of your current driver%26#039;s license and ssn card should provide proof.

Make sure social security dept has not reported you %26quot;deceased%26quot;

Only one number entered wrong by some overworked clerk can cause you a mountain of a headache.

Credit bureau reporting I%26#039;m deceased.....(anyone heard of this)?

It%26#039;s not unheard of. There are many errors made on these reports, which is wghy you should order your free copy every year from each bureau.

Follow their directions and you%26#039;ll get it cleared up fairly quickly. Make sure you contact both Experian and Equifax - you%26#039;ll need to update it on each one separately.

By the way - never apply for credit %26quot;just to see%26quot;. Every inquiry lowers your credit score.

Good luck!

Credit bureau reporting I%26#039;m deceased.....(anyone heard of this)?

Do this.....

Read the Fair Credit Reporting Act.

Then go ahead and send this information to the credit reporting agencies....by certified mail/return receipt.

Inform them of the following:

1) Due to their error in reporting on your credit history, you have been denied credit. Include a copy of any documentation you have to support this....go back to the mortgage company and get a statement that you were denied credit due to this error.

2) Inform them that in accordance to the FCRA, they are liable for any damages that this report has caused you, plus penalties of $1000.

3) Inform them that unless your credit report is repaired within 30 days, you will file a small claims suit in your county court. If you can get a copy of the paperwork, fill it out and send a copy to them to prove you know what you are talking about and are ready to proceed with the lawsuit.

4) Watch the report get fixed real quick!

Contact me if you need more info. Quit being nervous....you may have just won the lottery! I love helping people with these types of cases.

Turned into Credit Bureau!!!!?

My credit card company said I have one report against me to the Credit Bureau---what happens to me now?? I sent in my payment, it went to the wrong address, I was on vacation, so by the time I got back, I had had that late payment, plus my next one. I sent them both at the same time, and the first was considered late. So they reported it to the bureau...what happens to me now?? I%26#039;m just scared I won%26#039;t be able to buy anything big in the near future. I pay way over my minimum balance and when I get out of school I plan to pay the entire thing off in a few months. Please help, I guess I should%26#039;ve read about the credit bureau before getting my card in the first place...

Turned into Credit Bureau!!!!?

Everything that you buy on credit or when to open the account you need to provide your social security number to do a credit check (not only credit card but even the utility bills or cell phone)gets reported to the credit bureau. If you have a report against you that means they reported a late (over 30 days) payment. I know that you do not like to hear this but if you have a late payment over 30 days, that gets reported and affects your credit score. If you only have one payment over 30 days it%26#039;s not that bad though. Your credit score number gets lowered and the lower the number the higher the interest rate when you apply for credit in the future and if you have missed payments with a pattern of late (30 days or worst, 60 days) payments you might not be able to obtain jobs in certain fields or rent an apartment not to mention obtaining credit... Advice is be as conservative as you can from now on. It is not relevant to pay more than the minimum required amount on a credit card or other loan, so do not think that this help in any way. What is important is to send the payments religiously before the due date ( mail it at least 5 days in advance) or pay by phone or Inet and if it happens that you passed the due date, as long as it is before they issue a new statement, and is under 30 days, pay it even though with penalties. Hope this explanation helps you.

Turned into Credit Bureau!!!!?

One late payment isn%26#039;t going to kill your credit rating, but how much it affects your credit rating depends on how much established credit you have. -- The less time it has been established, the larger the impact.

But step back for a second... if this is your only late payment, and you follow it up by more than 6 months of on time payments... the impact will not be all that significant. The credit score is designed to separate the occasional error from the consistent miscreants, so if you%26#039;ve been good for a long long time, and your card isn%26#039;t maxxed, you shouldn%26#039;t be overly affected.

Turned into Credit Bureau!!!!?

Don%26#039;t worry about it. someone with perfect credit and pays everything on time could be worse then bad credit. looks to clean you don%26#039;t want that. one late payment wont efect you. so chill relax and have a good day

Turned into Credit Bureau!!!!?

No Need to worry at all. That%26#039;ll take little or no points off at all. I think you have a right to dispute that by sending in the dispute form that came with your credit report. Sometimes these companies hope you are late by tacking on extra interest and late payment fees. They will try to get away with as much money as possible. Read your ammended user agreement. They like to make everything sound so good in the beginning and then after a few months they send you a declaration of changes to your account in their favor. This will not effect any major problems with taking out big loans in the future. Watch out for prepayment penalties on purchasing cars.

Ok thanks! (Credit Bureau question).......?

Yeah this person added me about 2 weeks ago, and I called the credit card company and they said they report to the credit bureau at the end of each month, but I have heard that it taked the credit bureau to report it to my credit repot 30 to 60 days! And 30 days is fine but 60 days is a little too late for me! But it%26#039;s usually 30 days?

Ok thanks! (Credit Bureau question).......?

The 3 major credit bureaus have a 24 hr turnaround for urgent situations. Depending on your situation, see if your company will contact them and fax in your info. Are you trying to get a mortgage?

It%26#039;s usually 30 days but sometimes the companies haven%26#039;t updated their tapes in time and it goes on the next reporting cycle. Also, if they are a small company with less than 500 accounts they do not report at all. Many people are unaware of this and are upset when the car they purchased and paid for (on time) from JOE%26#039;S AUTO will never be reported on their credit.

Ok thanks! (Credit Bureau question).......?

your question isn%26#039;t clearly written...%26quot;what person%26quot; added you? and, did they report your credit to the credit bureau? Why is it too late for you and what is too late for you? 30 days is the norm and should not be a problem for anyone. Why is that a problem for you?

Ok thanks! (Credit Bureau question).......?

Since reporting dates can differ, the actual timeframe for them to report can vary. For instance, if your account date is the 10th of each month, the company may report then. Or, they may report on the 1st of each month. So, if something happened today, they could report it tomorrow, or they could report it next month on the day they normally update with the bureaus.

But credit bureaus do update more recent than 60 days.

Ok thanks! (Credit Bureau question).......?

Yes, everything you said is correct. I just closed two credit card accounts and they both told me it would take 30-60 days to appear in my credit report. That%26#039;s normal.

Ok thanks! (Credit Bureau question).......?

Sorry, but no emergency fixes to your credit report will ever work. Do not expect that your credit score will skyrocket 30 days after you get a card reported on your credit history. First of all if you are just an authorized user it does not really carry the same weight on the report as if you were an owner of the account.

Can you rephrase the question and instead ask what is it that you are trying to accomplish, that you need it sooo urgently, perhaps we could help with advice there.