Credit Bureaus

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Can a landlord report to the credit bureaus after 4 years of not reporting?
The lease was from September of 05 but broken in March of 06 because i had to move back to CA for my job. All money due was paid upon move out with all of the security deposit. I haven& 039 t heard anything from this complex in almost 4 years. They just now reported to the credit bureaus as of July 09 that i owe them over $400, when i never received any notice of owing them anything.Is there a time limit in Arizona that a creditor has to report to the credit bureaus?

The three credit bureaus? HELP!!!?
I have to mail or fax a bill that was settled in order to have them update my account so it shows there is not a revolving balance and it is closed. I settled two yers ago and thought the company would notify the credit bureaus like my other settlement did. But it did& 039 t. They said I have to mail or fax them a copy. I can& 039 t find the fax number or correct address to send it. And i tried calling and an hour later and still pushing buttons I gave up. I want my credit report updated and collection agencies to stop calling me. Its paid and closed. I am tired of mailing my reciept to a new collection agencey every 4 months. HELP

Why are there only 3 credit bureaus and how do they determine a credit score?
Just a silly question I was thinking about. Why are there only 3 credit berueas and how do they determine a credit score. Why is the credit score between those ranges? And why is each one different?

Why is Citibank Mortgage not reporting my payment history to the credit bureaus?
I called them and they claim they are reporting it, but when I tried to get a loan recently for something else, the loan officer said Citimortgage wasn& 039 t showing up on my credit report. Why would it not be on there. They verified and have my correct social security number.

Should I inform the three credit bureaus of my husband's death?

How do I report a judgement to the three credit bureaus?
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& 039 m a credit underwriter at Wells Fargo, so I know for a fact that there are business credit reports, some & 039 top contributor& 039 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& 039 t paid and stole from others in the past?

Can I ask my credit card company (BOA) to report my credit balance to the credit bureaus?
I paid off a bunch of debt and I would like to buy a new car. I know my credit score will jump up when my balance drops from 50% of my limit to 7% and I think I will get a better rate as a result. My statement usually goes out on the 5th and I don& 039 t want to wait 3 more weeks. Thanks

Do I need to contact the 3 credit bureaus?
I have recently about a month ago paid off 2 credit cards that were in collection. My question is I have satisfaction notices for both accounts do I send them this to update my credit report? I know they cannot remove the debt from my record, but can put some kind of indication that is was paid. And how long does this usually take?

Do I have to check my credit score at all 3 credit bureaus?
I just checked my credit score with Equifax. From my understanding is every credit bureaus look at credit a little differently. Should I check my credit score from all three or is just one ok?Also, I just payed off one credit account. It wasn& 039 t a credit card, but a loan. I just payed the rest of the amount off so now that account will be gone. Will doing so hurt my score or raise it?

Is there a service that reports Utility bills, phone bills to credit bureaus?
I have bad credit but always pay my Verizon cell phone bill on time. I have 2 years with them now. Is there a credit reporting serice that reports these kinds of bills on time to the credit bureaus? I have found one called PBRC link is below but I want to know of a service that will do this in the future or if PBRC will be worth looking into. I looked on there site and i dont know how much it would cost besides $20 verification for each account. Thanks I am looking into Suze Orman& 039 s FICO kit by the way for $50. Is it worth it? I am out of debt by the way. NOT IN DEBT prbc.com partners reports.phpprbc.com consumers how billpayhist.phpmyfico.com Products FICOKit Description.aspxI already have chose to go with Bank Of America secured credit card. $300 down and will charge $90 or less a month which is 30% or less of my limit. It reports to all 3 CB& 039 s but as secured. I need to find out both MyFico scores from TU and EX thats why I want the FICO kit and it has a simulator.

What countries use a credit bureau and scores?
I know the USA uses a credit bureau and credit scores to find out credit worthiness of people. What about other countries. Which ones use credit bureaus and if not, what do they do.Not every country. Israel does not have a credit bureau. They do have a debtors prison though.

How do I inform the credit bureau of my payments for my used car I just bought?
I just purchased a car through a buy here pay here dealership. I tried getting financing through my bank, but couldn& 039 t because of a bankruptcy. The dealer was up front with me and told me that he doesn& 039 t report the payments to the credit bureaus, but will give me a print out of my payments half way and at the end of my loan period. I was really disappointed because I wanted this loan to help my credit score, however I had already been without a car for 2 weeks and was in danger of losing my job. Is there anyway I can report these payments to the credit bureaus myself?

Question Regarding Inconsistency of Resolution of Disputed Credit Report Item Between the Three Credit Bureaus?
I disputed several items on my Credit Report with the three credit bureaus and it looks like one of the items was removed from one bureau but not the other two. Can I use the first bureau& 039 s removal of the disputed item as evidence to argue with the other two bureaus that they should remove it as well? Conversely, can the first bureau re visit their decision to remove the item based on the other two bureaus not removing it?

I got a 1099-c in 2006 Can they still report this to the credit bureau?
I had a repo with Honda finance in Aug 21 2003, in 2006 I received a 1099 c and had $1600 taken out of my refund from a delinquent $10,388... I Had a co signer for a new car in hopes of rebuilding my credit in 2007. This week I checked my credit reports and Honda is still saying I owe them the full amount? I thought this was cancellation of debt? To top it all off they sold my debt to NCO FIN 09, So i am getting this on my report twice Is there anything I cant do about this? Can they legally report this by TWO different company& 039 s or at ALL? The IRS told me they can no longer say i owe them, does this mean my credit report also???? HELP Ok I guess I wasnt clear. I had $1600 taken out of my refund. Owe them $10,388. Its saying on credit report that I still owe the entire amount. Not only that but NCO is ALSO reporting I owe the same amount. So both parties are reporting I owe... Like I said this 1099 C was back in 2006. The Repo was in 2003... Can both report that I have this amount as a owed?I guess im still not being clear... Can they still report to the credit bureaus that I owe them the FULL amount. Like i said, both Honda and NCO are reporting. I cant seem to find a real answer anywhere... I understand that for seven years they can report my non payment. But can both report it? Also like i said before...there both reporting the I owe them the full amount.... god help me....