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Credit Report Dispute

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Questions on Credit Report Disputes

  • Open Question: Can an occupant of an apartment be charged with a broken lease on their credit?

    I was living with my brother and the apartment was in his name. At the signing of the first lease I was only 17 and never submitted employer information. The last time we renewed the lease I was 19 but never filled out an application or submitted employer information. My brother decided to jet and didn't want to pay rent anymore so I left too. Now there is a potentially harmful statelment on my credit report from the apartments. So now I am trying to rent my own apartment and that is preventing me from moving on with my life. So I need to know how to dispute this please help me!!

  • Open Question: Type this into a current event?!?

    Obama: Mideast Peace Moment "Must Be Seized" (AP) Struggling to break decades of hostility, President Barack Obama convened a new round of ambitious Mideast peace talks Wednesday and told Israeli and Palestinian leaders they faced a fleeting chance to settle deep differences. "This moment of opportunity may not soon come again," Obama said at the White House before hosting Israeli Prime Minister Benjamin Netanyahu and Palestinian President Mahmoud Abbas in the first face-to-face peace talks in nearly two years. "They cannot afford to let it slip away." Obama sought to temper expectations, noting that it had taken his administration this long just to get the two sides back to the bargaining table. "The hard work is only beginning," Obama said, with Secretary of State Hillary Rodham Clinton and special Middle East peace envoy George Mitchell at his side. "Neither success nor failure is inevitable. But this much we know: If we do not make the attempt, then failure is guaranteed. If both sides do not commit to these talks in earnest, then long-standing conflict will only continue to fester and consume another generation, and this we simply cannot allow." In a carefully arranged series of talks designed to lay the final groundwork for formal negotiations, Obama met separately with Netanyahu and Abbas as well as with Jordan's King Abdullah II and Egyptian President Hosni Mubarak. Later they all gathered for dinner, a private prelude to Thursday's scheduled start of formal negotiations at the State Department. In his Rose Garden remarks, Obama noted that many are skeptical, a view underlined by two days of Palestinian attacks on Israelis in the disputed West Bank. "We are under no illusions," Obama said. "Passions run deep. Years of mistrust will not disappear overnight." In earlier remarks after his meeting with Netanyahu, Obama assailed those responsible for the killings of four Israelis near the West Bank city of Hebron on Tuesday. The militant Hamas movement, which rejects Israel's right to exist and opposes peace talks, claimed responsibility. On Wednesday, Israeli police reported still another attack, saying Palestinian militants wounded two Israelis driving in the West Bank. The car in which the wounded Israelis were riding was riddled with bullets. Direct Israeli-Palestinian negotiations broke off almost two years ago, in December 2008, and the Obama administration spent its first 20 months in office coaxing the two sides back to the bargaining table. Obama was adamant Wednesday that extremist violence would not derail the process. "There are going to be extremists and rejectionists who, rather than seeking peace, are going to be seeking destruction," he said. "The United States is going to be unwavering in its support of Israel's security. And we are going to push back against these kinds of terrorist attacks. And so the message should go out to Hamas and everyone else who is taking credit for these heinous crimes that this is not going to stop us." Expectations for the Washington talks are low, yet the stakes are high. The Israeli-Palestinian conflict is a constant source of grievance and unrest among Muslims. The failure of past peace efforts has left both sides with rigid demands and public ambivalence about the value of a negotiated settlement.

  • Open Question: why would a charged off account still shows a balance?

    on my credit report i have a credit card in default that has been charged off. i have researched the meaning of charged off and from what that means to me is that they have written it off as a loss because they believe they will never get the money. this same account has been sent to a collection agency which i expected and understand that i now owe them, but shouldn't the original credit account that has been charged off show a zero balance? i have been asking everywhere and am getting conflicting results. i understand that the original creditor will stay on my credit for 7 years but i have no understanding why a charged off amount would still have a balance, isn't that contradicting a charge off? in short, i am wondering if i should dispute this balance since it is charged off and has gone to a collection agency?

  • Open Question: dispute credit letter--would this be okay letter?

    Dear Sir or Madam: I am writing to dispute an item in my credit report. The following account status should be updated. This account has been paid in full. Capital Credit and Collection Account # 579857 I have enclosed a copy of my credit report with this item circled, as well as documentation from the creditor indicating the account status. Please send me a copy of your investigation results and an updated copy of my credit report. Thank you for your time and consideration in this matter. Sincerely, Ps:I paid through the phone with my visa, but I have it in my credit report shows when it paid off. Visa record this is in 2007 I don't think I still have the bank statement.

  • Open Question: Help me looked at my dispute credit letter and give me feedback?

    Dear Sir or Madam: I am writing to dispute an item in my credit report. The following account status should be updated. This account has been paid in full. Capital Credit and Collection Account # 579857 We have moved and had a change of address, but for some reason, this medical bill didn’t deliver to our new home. So it went to Collection, after I find it out I paid it off right away. It is not fair for this record to stay in the public record for 7 years. Please investigate this matter and delete the disputed item within the time frame required by the Fair Credit Reporting (FCRA) and inform me in writing of the outcome. Thank you for your time and consideration in this matter. Sincerely, I paid through the phone

  • Open Question: No Mortgage. What do they want?

    I had my credit report done and it says that me not having a mortgage is hurting my score. What can I do? My house is paid off. How can that be a bad thing? Can I dispute this with the possibility of raising my score

  • Resolved Question: Can I have Hard Inquiries removed from my credit report?

    I purchased a car from the dealer this year and while getting financed the dealer ran my info through 5 different finance institutions to get me the best rate. I was told that because they were pulling all for the same purchase it would count as one inquiry. As a result of this my credit dropped about 40 points. Am I able to dispute this and if so how do I go about it. Any info would be greatly appreciated. Thx in advance.

  • Resolved Question: Can you be rejected for a bank loan based on a single domestic police report?

    Some family friends of mine had a domestic dispute within their household and the police were involved. There were no charges laid and none of the parties had an existing criminal record. They now claim that they were turned down for a bank loan for their small business as a result of this police report. Is this possible, or even likely? I'm sure that the banks have access to criminal records, but since no charges were laid I don't think the report is filed where external parties can access it. I do believe that the people in question may have a poor credit rating. Thanks in advance for your answers.

  • Resolved Question: Can I have collection or late payment info erased from my credit report?

    Just like the question asks. Peronally, I have two greater than 30 days late payments that I incurred while I was deployed overseas that I would like to get erased. My wife has two medical bill payments from our second child that were somehow overlooked that show up as collection agency on her report. I'd like to have these erased and was told to dispute them and if the party did not respond within 30 days, the info would be erased from our reports. Is the correct or would I have a better shot at contacting the parties and trying to get them to remove them? The deployment was back in 05 and yes that was paid. The medical bills totaled about $600 and were also paid as soon as I was contacted by collections.

  • Resolved Question: Can I dispute an item on my credit report without having a copy of my credit report?

    I think you have to first get your report, then use the number code on it in your letter to refer to your report so they make money that you ordered the report first before considering your dispute, but it says I already got my free annual report (which I didn't) and now have to pay for one. I know for 100% certainty of a particular debt that has been reported to the credit bureaus based on a letter from the creditor. Can I just write to them to request they remove it without purchasing their report first? Deborah - it would help if you provided which website you were able to accomplish it at otherwise what's the point telling me about it.