3 Credit Bureau Report – Free Score

Server Error asked:


Hi. About 8 to 9 years back i used to live in an apartment complex. When i moved out of the apartment in 2001, i was told to make some payment about carpet damage to the management. The payment was made in full, at the 1st request. But despite it the apartment company still reported it to a collection agency, and the collection agency reported it to credit burea and i was never told anything about it whatsoever by the apartment or the collection agency. Sum 7 to 8 years later, when i check my credit report for the first time, i discover that my credit score is 682 and there is one & only one negative claim, by this collection agency. I contacted the apartment company & the collection agency but got no response. They ignored my letters, never returned any phone calls or said that they’d get back later but never did. Meanwhile this thing remains on my credit report. I contacted a lawyer and he says he will need $800 payment for him 2 help me out. $800 is 2 much 4 me. what should i do?

Joseph

Tcabe asked:


I filed bankruptcy in October 2000 and had it discharched in march of 2001. Receintly I got notified thru equifax that each line item that was under bankruptcy was not listed as “included in bankrupty”, and showed delinquincy and high balances, etc… I called each creditor and asked why they changed this and they had not idea what I was talking about. This info was old to them and they did not initiate these changes. I asked for an investgation thru equifax and they instisted right away it was correct. My credit score has just plummeted after working so hard after 6 years to work it back up. How can this be just changed, even with proof of a bankruptcy right there on my credit report?

Lewis

Gen185160 asked:


I live with my boyfriend, he owns the house and I pay half the mortgage. I want to know if its possible that he report me paying him on time to a credit bureau so it shows on my credit? Basically (from a previous question) I’m tired of paying half of his mortgage but not getting any credit for it re: Credit score, history, etc…

Tim

EagleLanding asked:


Hi. I have a collection which has been on my report for 3 years. It is only being reported to one of the bureaus. The other two bureaus not showing this collection have my score around 688 – 698. The one bureau showing this collection scores me at 599. I have secured a “pay for delete agreement” to which the collection agency will remove the item from my report entirely. Will that help my credit score? (because it’s then as if it never happened) Thanks.

Rosa

fyrfox81 asked:


The company i have the account with does not report to the credit bureaus, so i wanted to find out if i could do it myself with a print out from the company I have the account with?

Raymond