Buff Me asked:


Mother stole my identity and i was able to fix the problem. all 7 credit cards that i owed due to the theft was removed.

My question is, can i ask the credit report agencies to increase my credit score because i never opened these credit cards and i have documents to prove it.

i figure since all of them were removed that i could have my points back that i once had. i had about 750 then due to the identity theft i now am left with 450 points.

LUKE

oazen asked:


I am trying to consolidate a high interest equity loan with my mortatge but don’t want the bank to see my income. When they pull my report are they going to see the income? I pulled my report and didn’t see anything. Just wondering if they will see the same thing as me, or they have access to a more comprehensive report that list the income?

CLARENCE

Mai asked:


I have the phone number that is on the website, but that is for an automated service. I need to speak to a real person. Who can I contact?

JOHN

TLW asked:


Do I have to contact each one separately?

LEROY

sadye asked:


I recently got a Household Bank credit card in order to help build up my credit score. I have only used the card for small purchases and have paid off the balances for 2 months (the amount of time I’ve had the card) but no payments have shown up on my credit report as of yet. I was under the impression that Household Bank reported to the credit bureaus every month. Does anyone know when the payments might show up?

ANDERSON

angiejean74 asked:


I have a tax lien that originally reported 10/96 and was paid 2/02. How long until it doesn’t show at all on my credit report, as it’s still giving me grief!!!
Also, I have a paid judgement from a car accident. How long until that no longer shows… if at all?

RAYMUNDO

genarodj asked:


I had a phone bill of $120 reported to collections. When I was advised of my debt, I paid it immediately. (I thought my bill was paid when I disconnected with this company more than 1 year ago). The collections agency then reported this bill as “paid” AFTER I had paid it. This item had not previously exsisted on my report. Is this legal?

TYRONE

Vivianna asked:


If your child has to have an operation and your husband gets laid off and your credit gets ruined because the only option is to file bankruptcy. If your credit is ruined that means you can’t rent or buy a house. Can’t get a job. Pay higher rates for everything from car insurance which is mandatory. Not to mention forget about ever buying car again. So once a person gets their credit ruined how are they supposed to just live their lives?

JULIO

Antonio J asked:


I have issues on TransUnion and Equifax but Experian shows that I have no and perfect credit.

SCOT

locotrentrece asked:


how long do the following items stay on credit reports in terms of years?

1. late payments
2. sent to collections
3. closed accounts by CONSUMER

Also, how much do each of the above contributing factors lower a credit score in terms of points?

Assuming you begin to have a “perfect line of repayment” How long does it take for a credit score to come back to a higher level? months? years?

RUSSEL