Dan R asked:


I checked my wife’s credit report and she has 3 accounts with late payments from several years ago prior to us being married. One was past due 60 days, one was past due 30 days a few times, and one was past due 120 days. How long will her credit rating be impacted by these accounts? Is it 7 years from the time the account is closed?

Delores

buckrockfish87 asked:


www.annualcreditreport.com offers 100’s of listings, all requiring credit card information/activation, and the 30 day free use. Of course, I’ve learned that the report isn’t provided during the 30 days of free use!

NUMBERS

Marie asked:


I am trying to read and clean up my credit report. Some of the debt is really old, but I need to know how to determine the date at which bad debt should be removed from my credit report. My Equifax report is confusing.

Alice

hae asked:


I would like to settle a few closed credit accounts that have been charged off and bought out by debt collectors. The collection agency is offering me a discounted rate to pay off this account. If I choose this option, will my credit report eventually show this account closed and paid off, as stated by the agency?

Juanita

Bob M asked:


Back in 1997, I ran into some financial trouble and took out a loan for the balance on a mobile home I once owned. I defaulted on the loan that year, but it is still on my credit report. I wrote letters to the bank and to the credit reporting agencies, and this is still on my credit report. This is the only bad credit/delinquency I’ve ever had. I would appreciate any suggestions.

Debra

dilligaf7485 asked:


I now understand that judgments against me will show up on my credit report under Public Records. However, will a judgment show in that area.. no matter if its $200 judgment or $2,000 judgment?

MAX

Snowflakes asked:


For example I had my credit pulled and it lists all the addresses I have lived in even though I had never notified them. How do they get this info?
I just really would like to know bec was declined for a loan bec address on my credit report different than where I told them I live.

LOUIS

Tracy J asked:


Currently I have a store credit card that I have had open for 17 years with $5 k credit available to me. I am thinking that perhaps so much available credit ( I also have a Visa with $1k of credit as well) that it perhaps does not look good when going to purchases a car etc etc. Currently between both cards I owe $1.2k Does/will this effect my credit score?

CEDRIC

Brian M asked:


They were included in the bankruptcy, should I dispute them, call them and bug them to put 0 balance that I claimed bankruptcy? Any advice. I have been a member of Fico Deluxe monitering for about 2 months now, I am trying to be smarter what should I do to “clean my report” so it is accurate?
Bankruptcy was DISCHARGED in early June 07.
No the ones that are still on there are on my copy of the bankruptcy so I know they were filed on.
Sorry Answerer 2 your wrong. Most of the items on my credit report says ( 0 balance and in status it says Chapt 7 bankruptcy discharged)
Here is a link I found after posting this
http://www.moranlaw.net/creditreports.htm

*****The Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a 0 balance. FTC OSC section 607, item 6 states: “A consumer report may include an account that was discharged in bankruptcy (as well as the bankruptcy itself), as long as it reports a zero balance due to reflect the fact that the consumer is no longer liable for the discharged debt.” *****

TOMAS

rogersshelly43 asked:


I have been looking on line and every site ask for my credit card info. There use to be a totally free site.

WALTER