awill110 asked:


I got my credit report today and it shows that my total credit amount is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn’t been reported since April. Is there an effective way to contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I feel that this issue is affecting my credit score, so I would like to fix this.

Thanks in advance.

Glenn

claudette asked:


I have already used my free trials at the big three credit bureaus, and don’t want to have to pay too much to see my credit score. I’ve found ways to see my credit score for $25 but I’d rather spend less than that. Any suggestions?

Matthew

galactic129 asked:


If an account went to a collections agency, who sends info to the credit bureaus: the collections agency or the original organization? Each has told me that the other does it.

If the account is payed in full not long after the account was forwarded to collections, do they still report it? They have not reported it at the moment and it’s been about a month. Also, is it better to pay the original org or the collections agency?

Oscar

jonathan s asked:


I gave a friend a personal loan, of course making him sign a legally binding loan agreement, and he has missed payment for 5 months. I’d like to report the loan to the Credit Bureaus so that his score will be appropriately affected by his non-payment.

The only problem is I don’t know how to report a personal loan to the credit bureaus, any advise you can give would be helpful.

Annie

Chris asked:


Twice I used this particular retailer for larger household items because of their finance options. They are NOT a rent-to-own financier, and the finance contracts I had with them state that they do report good and bad to all three credit bureaus.

Once I was done paying for the first item I bought from them (a couch), I checked my credit to see if they posted anything positive and I saw that they didn’t so I went to their store talked to one of the store manager who reassured me that they would take care of the problem. During the same visit, I purchased and financed another large item (washer and dryer set), and it is also paid off, and again, nothing reported on my credit for either item.

What legal actions can I take against this retailer? I’m largely in the market to improve my credit and that is a very big deciding factor when I make purchases, and this retailer has failed to deliver, even though it’s in the contract.

Shane

shawngh79 asked:


I was just wondering when did credit bureaus start. How they calculate beacon or fico scores, and how much weight do they have with the average american?

Cathy

ANTHONY99USA asked:


I have several items on my credit report that the credit bureaus will not remove after I have submitted proof? How does a person take these credit bureaus to small claims court to recover damages and change (remove) bad items from the credit report? Do I need an expensive lawyer or can this be done by a layperson? What is the cost of this and I live in California, USA? Thanks

Joyce

James G asked:


I have rental property and would like to report the renter’s pay history to the credit bureaus.

Lydia

jawsnu7 asked:


If I go through care one Debt Consolidation program successfully, Do anyone know the final status of your accounts
at the end of the program? Is it paid as agreed or some other rating in The Credit Bureaus? I may enroll but would like to know some people experiences with this program

Rita

incognito_0001 asked:


I am opening a new bank account and they will check my file with one of the three credit bureaus. Will this also show up my other two credit bureau files?

Jerome