Credit Bureau Phone Numbers

What is considered unfair reporting. My child support reporting agency is reporting late payments each month to the credit agencies even though direct deposit are made on each payday. It take the support agency 7 to 14 days to post to my account, thus making it late each month. So, are they unfairly reporting the status of my account?

No. Fair credit reporting has more to do with how your credit report is used. Policies to report are set by individual companies that extend credti to you.

Invade Your Privacy?
Even if you agree with a creditor to have your payment history reported to a credit agency, you never gave the agency permission to release your information to a 3rd party, don’t you think that is an invasion of your privacy?

No….but I think that their biggest fault is posting negative information on your credit files from bottom feeder debt collectors without informing you…in other words, you’re guilty until proven innocent.

I bought a car with a 3 year finance term. I paid the car every month on time, and finally I have paid it off! My credit is poor, so I wanted to rebuild my credit this way. Unfortunately the dealership I bought from does report to the credit agencies if you have purchased a used car.

They did however, write a letter that states I paid every month in full, and on time until the car was paid for outright.

Can I send a copy of this to the agencies so that they may verify it and add it onto my report?

If anyone has any good answers for me please let me know!!

Thanks!

Yes, you can write the credit bureaus to add good credit accounts. And a copy of the account information will help.
And, for your benefit I have a sample letter format for you.

date:

credit bureau name
and address

to whom it may concern

I would like you to please list the following credit reference on my credit report

Creditors name address account #

Please send me an updated report as soon as the above information has been added. If there is any fee for adding this information, please advise.

Thank you for your assistance in this matter.

sincerely,

signature

your name
address
ss #
DOB

and a copy of a utility bill to verify your adress

I bought a car with a 3 year finance term. I paid the car every month on time, and finally I have paid it off! My credit is poor, so I wanted to rebuild my credit this way. Unfortunately the dealership I bought from does report to the credit agencies if you have purchased a used car.

They did however, write a letter that states I paid every month in full, and on time until the car was paid for outright.

Can I send a copy of this to the agencies so that they may verify it and add it onto my report?

If anyone has any good answers for me please let me know!!

Thanks!

Yes, you can write the credit bureaus to add good credit accounts. And a copy of the account information will help.
And, for your benefit I have a sample letter format for you.

date:

credit bureau name
and address

to whom it may concern

I would like you to please list the following credit reference on my credit report

Creditors name address account #

Please send me an updated report as soon as the above information has been added. If there is any fee for adding this information, please advise.

Thank you for your assistance in this matter.

sincerely,

signature

your name
address
ss #
DOB

and a copy of a utility bill to verify your adress