Eyad a asked:


I have a 10,000 car loan from a small financing institution. They have been reporting my payments to TransUnion and every-time I apply for a credit card or any other loan I get rejected. My current balance is $400 and I will pay them off next month.

The problem is that when I go anywhere else and apply for loan or credit card, I get rejected because others can not see my car loan unless they check with TransUnion. Most banks and dealerships check with Equafix and Experian.

Yesterday, when I checked to see my credit report, I was able to see my loan and my score, which was around 650. When I tried to contact the my lender, they said that they only report to TransUnion and they can not change their policy just because of me.

What can I do to get my car to show on all three credit bureau?
and how am I suppose to find lenders who check with TransUnion

Jared

lynlee39 asked:


I am trying to get my credit report on-line but I do not have a credit card to pay for it. I have already gotten one from annualcreditreport.com but am trying to clean up some more things how can I get a credit report from all three credit bureaus???

Bernice

This Is Not My Real Name asked:


This is somewhat an odd situation. I have had a 2 year credit history with all three credit bureaus prior to this problem. It seems that all of my credit cards have suddenly stopped updating on my equifax credit report. When I try to apply for a new credit card, I get denied because I have “no equifax credit file”
I requested a free credit report with equifax and even they can’t locate me!
It’s as if my equifax credit file just disappeared. But I have previous copies of credit reports from equifax so it obviously did exist. What can I do and what seems to be the problem?

Fyi: experian and transunion is working fine. My credit report is updated and my score is good. But all accounts have not updated since 2007 on my equifax credit report

Paula

The Great Gate asked:


I live in Michigan and am 23. I recently applied last month and was denied. I have never had a credit card or anything. It turns out I had an unpaid traffic ticket in Windsor, Canada that I actually paid (but it was a couple months late). They reported me to JJ Marshal And Associates. I cleared up this matter with JJ Marshal & Assoc. and they wiped it off my record. So…. I accessed my free report today from Equifax and it was clear. Nothing there. Can I apply for a credit card now or do you think the other 2 bureaus are behind in schedule? P.S. I already accessed my report from TransUnion, that is how I found out about this negative thing from 2002 that I cleared and I cannot get one from experian because I couldn’t pass the security test!
This ‘negative’ matter happened in 2002! JJ Marshal Cleared Me October 4, 2007.
I am anxious to apply for a credit card. Will it devastate my file if I get rejected? Is it safe to apply seeing that I am clear with Equifax?

Amy

business woman asked:


I been sent to collections 2 months ago for the medical bill. Anyways, the collection company called me to pay it off. I asked them to send me a document saying that if i pay it off now it will not be reported to the three credit bureaus. They faxed me a printout with my acct #, the $ amount, and it had the 3 bureaus on it. It says that the account is “withdrawn” from the 3 reporting agencies. An that it should appear “as such”. I’ve heard in the past that collection companies are sneaky and will say anything to get u to pay them, and ive heard if its already in collections, an agreement with that company does not matter, it will still be on there for 7 years. I didn’t pay them yet i just need answers.!! Thanks.. i just keep hearing different things and i need the truth.

Danielle

Skyler asked:


I won a judgement against a corporation, and I am wondering how to report it to Experian, Equifax, and Transunion. I called the court that issued the judgement and they said that I am responsible for reporting it to them. Any addresses, phone numbers, or other info would be greatly appreciated, thanks!
bddancer – Actually I’m a credit underwriter at Wells Fargo, so I know for a fact that there are business credit reports, some ‘top contributor’ you are. Thanks for the random attack for no apparent reason.
Yes it does make a difference to credit decisioners, most will not make a loan if there are outstanding judgements; I know because I turn them down daily. Who trusts someone to make a loan who hasn’t paid and stole from others in the past?

Phyllis

Nicole B asked:


I signed a contract stating i would complete six months of employment in order for a training fee to be waived. I resigned after the first week and now the woman is trying to make me pay the entire training fee when I received one day of training. She has threatened to take me to court and now she is threatening to send the bill to the credit bureau’s. Four months ago when she started harassing me I asked for a bill and a copy of the contract. Four months later I finally received the bill and a copy of the contract and she is demanding payment or saying she will report me to all three bureau’s. I want to know how difficult it will be for her to report me. It is a small business and I was suppossed to work as a consultant for her. If the bill goes into collections, do I have a right to settle the amount with the collections agency?

I know I signed a contract, but the owner is basically trying to bully me into paying the training fee for 6 hours of training.
First of all she is claiming that I had over ten hours of training when I was only there for 6 hours total. Back in March she started sending me nasty text messages and e-mails requesting payment. I told her that I needed a bill and a copy of my contract before sending payment, becuase I was never provided a copy of the contract when I signed and I dont send out 400$ checkswithout a bill.
Four months later she finally sends it to me. First she threatened to take me to court, now she is threatening me with the credit bureau’s. The contract she sent me has my address listed incorrectly on it . She also changed the first page of the contract and accidently sent me the one she changed with the one I actually signed. I understand I breached contract and I would have had no problem paying her if she wasn’t so ridiculous and irratic about this.

Stanley

qdeezy asked:


I have about three past accounts that are in collections. I am trying to take care of all of them but two of them (a cell phone thats in collections and an old bank account) are not on my credit reports! I know that the banking industry has ChexSystem that they report to but do they also report to the other three major credit bureaus? And why isn’t the cell phone account on my credit report even though it’s in collection status. They have not been trying to contact me about the past due account or anything. Will they report it later or do they report to a different bureau also?

Pamela

Free Indeed asked:


If I am a creditor (providing financing to someone who buys my house), how do I report their timely (or untimely) mortgage payments each month to the three credit bureaus?

Benjamin

Bodhi Surfer asked:


I was in the middle of buying a new car and was told that I have a freeze on my credit, as if I am trying to protect identity. I have never authorized any of the three credit bureau’s to do so and when I called the two that the dealership checked my credit with, one said there was no freeze, and the other said they couldn’t even pull up my information, thus, no freeze. Does this seem like a mistake at the dealership?

What else can be done?

Maria