Credit Bureaus

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Is a foreclosure reported to credit bureaus if you are named on the deed but not the note?
If I am named on the deed to a house, but not on the note both my name and my husband& 039 s name are on the contract, but only his name is on the actual loan note and the house is foreclosed on, is the foreclosure reported to my creditors or is it only reported to his? We live in the Dayton, Ohio area.

Are some credit bureaus more popular by state?
For instance I have heard TransUnion is more popular in Texas and Equifax is used more in Florida. What are the popular credit bureaus by state?

Why do credit bureaus let creditors put erroneous information on our reports, but make us prove they're wrong?
Creditors can put whatever they want on our reports without having to prove any of it, but when we, as consumers want to dispute inaccurate information, we have to provide all kinds of documentation and have it investigated?

When does Chase Home Finance update credit bureaus?

Can credit score go up if i place a security freeze on all 3 credit bureaus?
OK i apologize for throwing people off on the last post, since i was on the phone placing a security freeze while i was asking this question. What I meant to say was that if i place a security freeze on my account will my fico score or score on all three credit bureaus still be able to fluctuate with the current accounts I have on my file already? Or will it freeze EVERything entirely? I lost my wallet today and my social security card was in there thats why and i cancelled my crredit cards and ordered new ones as well.The point is I just want to keep the accounts I have right now while still building credit on a security frozen account. Will putting all 3 credit bureaus on security freeze for my account be a good solution for my problem?

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?

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?

How late can you be on a credit card payment before being reported to the credit bureaus?
how far past due does a monthly payment have to be before the card issuer will report it to the credit bureaus?to clarify, if I was a few days late on the payment, will they even report that? I& 039 m not asking when I can expect to be reported, more or less asking if I could be reported based on only being 2 3 days late. Seems that being over 30 days past due is a big indicator from what i read hear.

How does a charge card report on credit bureaus, say, AMEX?
How does a charge card report on credit bureaus, say, AMEX?

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

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.

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.

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

Do I really need to check all 3 credit bureaus?
Do all debt collectors etc have to report to all 3 credit bureaus or do I really need to check all 3 reports? How can I tell if the same items are showing up on all 3 reports?When I get all 3 reports, How can I tell if the same items are showing up duplicate on all 3 reports?