URGENT: How do I dispute my credit report? Difficulty: no (current) American address or phone number, and not currently in the USA. Background: Twentysomething English teacher in Seoul, South Korea. American citizen, but I’ve been in South Korea for 8 1/2 months.
Earlier today I decided to check out my credit report from annualcreditreport.com on a […]
Should I fix a minor typo on my credit report? My credit report contains a minor error in my personal information. An old address of mine is listed three times: two times with the correct house number and street name but slightly different street abbreviations (Cir and Crl for Circle–note I am not concerned […]
Should I dispute the adverse item on my credit report or just pay it off? Also, will a balance transfer help or hurt me? Last July I moved and closed my account with my old cable company. I returned the equipment and paid the balance. I got a notice saying I owed them $69 but […]
where do i get a credit report? wikipedia says annualcreditreport.com is the way to go, is this correct? do i have other options? p.s. this is anonymous because i’m in my late 20s and embarassed about not knowing how to do this at my age—i’ve never had a credit card and i’ve never taken out […]
The financial problems of someone who shared my name and former address are showing up on my credit report! How do I even begin to go about disputing this, should the credit agency’s investigation not go in my favor? My father, who I am on shakey terms with, remarried a couple of years ago, […]
Help me understand my credit, please? Still working on fixing my credit so I can buy a house, but I’m confused about some things on my report. I’ve managed to get my score up 60 points in just a month or so, but I really need at least another hundred to be really happy.
Back story: […]
New employer has done a background check - returns addresses I’ve never lived at? All the info I have from the company at the moment is that the address has shown up on my social security number. I’ve checked my free credit report and I don’t see anything out of the ordinary. What’s going on? […]
Succumbing to Extortion Filter: How should I pay back a debt I don’t really owe, to a collection agency that’s been hounding me for years, to make sure it doesn’t appear on my record? More inside. This is a follow-up to my first askme ever. has it been that long? […]
Is there any way to stop a $50 collection action from dinging my credit rating? A few months ago, I went to the emergency room. My insurance has a $50 copay for such things. Somehow, despite the fact that all my other, much larger, bills are paid on time every month, this one managed to […]
My father, grandfather, and I all have the first and last names, with only different middle names to distinguish us, no suffixes. How do I go about untangling our credit reports? Because of the way information is reported to credit unions, you’d think we were the same person with more addresses and aliases than a […]
Repaying Stafford college loans that disappeared from my credit report (due to age), but still collect all tax refunds - what kind of hit might I expect on my credit, reactivating the account by a full-payoff? More importantly, what kind of deal can I propose to avoid all the interest? Anyone have experience with this? […]
How can my girlfriend cancel credit cards when she doesn’t know the account numbers? My girlfriend just got her free credit report and found credit cards on the report that she never opened. There are 4 or 5, they all have $0 balances, and they’re all still open. The report has issuer’s name […]
Why is my credit score so high? Back in Freshman year in college, I naively signed up for 6-8 credit cards in a promotion to get a free t-shirt with a passed out Curious George on front. I subsequently cut up the cards they sent me and ignored the accounts. It wasn’t until […]
Help us save our credit! We’re not sure why, but our mortgage company started returning our automatic bank payments a few months ago. We were abroad for some of that time, and didn’t realize this was happening. All of a sudden, we’re in foreclosure. We have the money (since they sent […]
Can a collection agency reopen a nine year-old unpaid debt? I used to be terrible about paying bills, but I’m much better now and I finally have excellent credit. Most of the old delinquent accounts were paid off, but on one of the oldest, I chose to wait out the seven-year credit reporting limit instead […]
I just moved to San Francisco from Guadalajara, and have no credit history or bank account. How can I get a place to rent? A cell phone? Currently I’m staying a friend’s appartment in the Inner Richmond, but this will be over soon. My wife will be joining me in late February, and I need […]
Does cancelling your credit cards hurt your credit rating?
Original text: Question number 10686
My wallet was stolen — how do I protect myself against ID theft?
Original text: Question number 11574
CreditFilter: Two years ago, not really understanding the importance of good credit behavior, I let a department store card slide for 180 days, twice (I KNOW!). This impacted my credit history greatly. I had previously had 4 years of good payment on two credit cards. Over the past year, to help […]
I’m in college in the U.S., and have a few state student loans. They were under a forebearance that I once requested, which ended four months ago. I didn’t realize this, and ignored the mail that was sent about it because I thought it was the usual mail they send me about how I have […]
Background checks: I have a job interview coming up, and wonder if they’ll do a credit check. If they do, I’m in trouble. I need this job very badly…thus the bad credit. Besides credit, employers may check education and criminal backgrounds (mine are clean), but do they have to let you know? How do you […]
Since my wallet was stolen, I’ve been trying to get a particular inaccuracy on my credit report corrected with no luck. I have written to the company that owns my report using their own online dispute form and via snail mail. It’s been 6 months and I don’t know what else to do […]
AT&T Wireless screwed me, how can I get revenge (or at least minimize the damage to my credit report)? How have others dealt with customer service nightmares in the past? [MI]
Original text: Question number 6841