Hi I recently checked my credit report and because I have this mortgage in my name that I know nothing about I wasn’t able to check my Equifax credit report. I am going to contact them the upcoming week to see exactly what this is about. When I try to check this report they asked me about a mortgage, how much the mortgage payments are and if a particular city that is close by to where I live now, is the city in which I own property. I recently turned 21 this year and decided to pay off the little debt I have which is only like $ 200 cable bill! Now I am finding out that I might have more debt that I really couldn’t possibly make since I was only 16 when this property were bought. If a mortgage is in my name does that mean I am the owner of this house. How long will I have to wait to get this removed from my credit. And who will be responsible for this?
I choose the one that said none of the above! It wasn’t any question that said, “I don’t have a mortgage.” Instead it the question were a none of the above that is the one I picked too. I picked none of the above for each question because that is the correct one. Then it said they were unable to give me the information on my credit report. I am sure I have never lived in any of those cities and I know I don’t have any mortgage. Maybe they just can’t process it on line!
Okay it looks like this was just an error. Since, I did a credit report with trans-union and I only have that cable bill on there. Another question guys , I recently paid my rent with a cash withdrawal of $ 600. I know its not the best way to pay your rent and I am going to pay it off as soon as I finish these last two semesters. Is there any chance this is going to be transferred to the credit bureaus?
And thanks Guys for the HELP!
i have no bankruptcys but i have collections out the @#! anyway, these collections are from companies that keep updating my report as though I am late this month when in fact it’s from 2000, i’ve paid credit repair companies to fix it and they just keep coming back and updating every month, in turn my score remains around 500, is there anyone that can help me, oh i have written all 3 credit bureaus about this.
I am looking for a way to get out of a bad investment. I bought a house for 325 K and now its only worth $ 200,000, thanks to the current market. I owe the bank 280 K and its a negative option arm loan, so they let me pay less than interest. Soon the Bank will realize that this house is worth so little. The may force me to make a full payment and I will not be able to. The Rent I earn now barely pays the minimum payment. So I have 4 choices: 1) walk away, 2) Foreclose 3) Short Sale and 4) Loan Restructure. Do you think the last one will have the least or shortest impact on my credit? If I do it, I plan to pay the new loan on time forever. I plan to send many disputes to the credit bureaus until they erase the 90 days of skipped payments that I will have to do in order to get this approved.
I added even more details at www.blogsomebody.com. which contains full details in various posts
Does filing a FAFSA result in a hard inquiry through the credit bureaus? I know private lenders check credit for student loans, but wasn’t sure how it worked for the FAFSA. Thank you.
byChristopher S. Penn
I had a student loan with My Rich Uncle. It was sold to Education Empowerment or American Education Service. Education Empowerment has an accounting company that handles their payments. I have been paying AES and Education Empowerment is claiming I owe them the debt. AES has my loan in deferment, Education Empowerment has me listed as delinquent and reported to the credit bureaus. GREAT! How can I find out who owns this loan and get this removed from my credit report?
Thanks!
Cree28
byEmbajada de Estados Unidos en Bolivia
Test of Faith at Seminary in the Form of Student Loans - Adult SweatShirt Medium
Hello!
I had an iterview with financial institution recently. They pulled my credit report as a part of their screening process. The problem is – I have initial 90 day fraud alert added to all 4 credit bureaus. Will this be an issue? I am afraid I wont pass the credit check….
Thanks!
Eq. 779
Exp. 768
TU 757
byeric731
I pay about $ 2000 a month for credit cards and another $ 2000 for mortgage payment. If I’m going to lose my job and can only afford one and not the other, what’s more important to pay off?
If I was to lose my job.
I know they get a bad rap but I just added one. Was costly at 150 initial activation fee and 20 a month to maintain but my score jumped 55 points and they report to all 3 credit bureaus!
Pulled my credit report and there is an old student loan that says it in collection and lists the school as the lender. I haven’t seen any collection attempt made, I’ve called the school for a week now and get no where, they say its prob. a perkins loan and someone will have to call me back, should I dispute w/ credit bureaus or Should I write the school and ask for debt validation? What happens when they don’t respond to that too?
Hello All,
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I was wondering if you experts could help me. I had 3 collections from a hospital in 2005, which were sent to ARB (accounts recovery bureau) and after explaining to them why the bills were paid, the hospital agreed it was their error and contacted ARB to remove the paid collections from my credit bureau. I received a letter from ARB confirming and referencing the accounts which would be removed from the credit bureaus. I just pulled all my 3 credit reports and one of the account still shows under TU.
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Can you please tell me what steps I need to take inorder for this account to not report anymore? I have the ARB’s letter to show that they agree that this should not have been reported at all. Any help would be greatly appreciated.
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Thanks.