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Spence wants to know:

I just pulled my credit report and I have several items that I have already paid. I have been told to write letters to the original creditor so they can notify the CRA’s or if they do not get back to me in 30 days (certified mail) that I could have these debts deleted from my credit report. What sort of letter should I write them, what sort of verbage needs to be contained in this letter, and are there any examples available online? Thanks!

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♥ Mary ♥ wants to know:

I was watching my credit report earlier this year and I noticed something on two collections. They have opened dates of 4/10/2002 and 7/31/2003, but they keep reporting it every single month. How do they do that? Does it cost them money to do that? And will the reports still fall off my credit after the open date? How badly is it hurting my credit since they keep hitting it current?

(NOTE: Both of these were medical bills. I have disputed one of them and it is in the file with it now. I am not paying on something that should have been handled by insurance in the first place. I just got a loan even with these collections on there like that.)

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lisa_love wants to know:

They were discussing this on the radio this morning. A woman saw a copy of her credit report sitting by her boyfriends computer. He had done one of those free credit reports online. I’m not sure on the details, like how long they were dating or if they were planning on buying something anytime soon. But, what do you think? Would you be pissed? The caller was not sure how she should handle it. I’m not sure what I would do either.

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robert o wants to know:

II’m thinking about filing for bankruptcy and am wanting to get a copy of my credit report before I actually decide to do so. I was wondering if there is a way to get a copy of my credit report without having to pay somebody to do it. Equifax wants a monthly fee and I just want one copy. Nothing more. I would be greatly thankful for any help that you could lend me. I’m trying to make life easier for my family.

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robert o wants to know:

I plan on buying a new car within the next month or so. I recently received a notice that I now have a fraud alert on my credit report and the Equifax was going to send the same to the other 2 bureaus.

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Korina wants to know:

I have a couple of old (small) collections on my credit report that I’d like to clear up, but it just shows the name of the collection agency and a partial account number. How do I get contact and account information for these collection agencies so I can find out more information on these debts and pay them off or dispute them as needed? Would the credit reporting agencies have this information?
Thanks for any help!

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WHATS GOING ON? wants to know:

I dont want to give out any credit card information. Is there a web site that will give you a free credit report online without credit card info?

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Bill R wants to know:

I am thinking of renting my second home. I like to get a credit report for the potential renter. How do I go about doing it ?

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Debra wants to know:

I have found items on my credit report that have passed the statute of limitations. How do I get them off the list?

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gill g wants to know:

I am working on my credit and would like to see a credit report of someone with good credit wether fictional or real, I don’t care. Where could I obtain a sample of one for learning purposes to compare against mine which I have been working on improving for the last two years?

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dgoldenboy67 wants to know:

I filed for Chapter 13 in November of 06. I just sold my house and i will have a little equity left over.I have several creditors that i owe a balance to (Judgements)that will be paid off next month when I go to settlement . I was wondering if I should contact these creditors now and negotiate a deal with them before they are paid with the equity. What should I ask the creditors to report on my credit report that would help me with my credit score? And if I settle a lower figure what happens to the difference?
Help

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Burton wants to know:

I plan on buying a new car within the next month or so. I recently received a notice that I now have a fraud alert on my credit report and the Equifax was going to send the same to the other 2 bureaus.

How will this affect my obtaining financing through my bank and various other lenders?

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tiffany dawn; wants to know:

I heard that if lenders pull up your credit report to see if they want to give you a loan or to find out how much it would cost to finance something to you, it makes a hit on your credit report. And a lot of these ‘hits’ can make you an unattractive candidate if you didn’t receive a loan from the lender who pulled your report. Is that true?

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TM wants to know:

I rented an apartment from 2000 to 2006. I gave a verbal 30 day notice when I moved out, and my roommate contintinued to live there after I left. The roommate left oweing some money, but there was never any kind of evictions , not even a 7 day notice to pay rent. Now 8 months later there is an eviction showing on my credit report, for a different apt # at that address and from year 04. I”m sure I can straighten it out with the apt. manager, it has to be her mistake…But how do I get it off my credit report so that I can rent a house?

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Michael P wants to know:

Everybody knows using a credit card at the ATM or bank will qualify the transaction as a cash advance and cash advances carry a rather high rate. However today I heard a bit on the news;how to make money off of the credit card companies rather than them making it off of you. It featured some investment guru who talked about using available balances on credit cards for investments that have a higher rate of return than the credit card carries. I have a 0% until July 2007 with plenty to invest if I decided to do this, but how would I avoid the cash advance rate if it would be regarded as cash? Are there any investments that would list the transaction as a purchase? Please help, I am confused.