Missing good credit on credit report,worth reporting?
Date: Tue, 05/12/2009 - 07:27
Not all Lenders report to all three. You can contact the bank/l
Not all Lenders report to all three. You can contact the bank/lender and ask them to report it. Sometimes they will. But however they're not required to report to all three.
There is no requirement to report to all three agencies. What yo
There is no requirement to report to all three agencies. What you might be able to do is whenever you apply for new credit (a credit card, a loan, etc) is to request that whoever is checking your credit report look at all three reports from all three agencies. Sometimes creditors only check one report, so maybe by asking them to check all three, they should get a better average and range. Credit reports from the three different bureaus can differ by a lot.
If I payed off a credit card in full, doesn't that account get m
If I payed off a credit card in full, doesn't that account get moved to accounts in good standing on my credit report, or does it have to stay on the adverse side due to late payments in the past??
it should stay on the adverse side for 7 yrs +180 days from the
it should stay on the adverse side for 7 yrs +180 days from the last late payment...but sometimes, a goodwill adjustment letter can help them move over to the other side...depends on the lender..
Barclays Resolve Loan
I have a barclay resolve loan, and I have had it since May 2008 , and does not show on my credit file and I haven't missed a payment, Barclays have said they do not need to show any resolve loans on peoples credit files unless it was taken out after oct 2008, is this true?
If you still have the loan and if you're paying off the dues reg
If you still have the loan and if you're paying off the dues regularly, then the creditor will have to report it to the credit bureaus. I haven't heard of any such rule that the creditor does not need to show any resolve loans on credit files of the borrowers unless it was taken out after Oct, 2008.
In your credit file this loan should only appear as a personal l
In your credit file this loan should only appear as a personal loan. Barclays (and their partners) are the only ones who'll get a view of this 'resolve bit'. With the resolve bit, Barclays gets a view of your struggle and adds certain terms to your loan. Your overdraft facility might be closed and you may not be able to apply for another Barclays loan within a period of 12 months.
No creditor is required by law to report to all 3 CRA's or any f
No creditor is required by law to report to all 3 CRA's or any for that matter.
