credit report

Can credit bureaus report late payments after a sheriff sale?

I had a foreclosure back in 1/07. My credit report shows the foreclosure; however, is reporting late payment after the sheriff sale. It shows the final date of 11/07. Is there anything I can do?

Tags: ,

Wednesday, September 16th, 2009 Credit Card & Loan Consolidation 1 Comment

Credit Report?

I am looking at my husband’s credit report and there are a few accounts in the negative section, but most of them are closed. Do these closed accounts still affect his credit, or does he still need to pay them off to get them completely off his report? Are they only their for history purposes?

Tags:

Tuesday, September 15th, 2009 Credit Card & Loan Consolidation 4 Comments

How much would my credit rating decrease if I blew my brains out?

I’m planning on killing myself sometime this week, and my FICO credit score is around 680. Will it show up on my credit report that I sucked down a revolver and painted the walls with my brains, and if so, how will this affect my credit rating?

The internet is serious business, so serious responses only, please.

Tags: , , , , ,

Tuesday, September 15th, 2009 Debt 3 Comments

How do I dispute a negative statement on my credit report?

I’m in the U.S. Army. Shortly after filing my indiana states taxes for 2005 I deployed to Afghanistan. I apparently owed the state revenue service around . I am pretty sure I acknowledged this before I deployed but I guess it slipped my mind.

Apparently the revenue service tried to get a hold of me (which they obviously weren’t able to) regarding the situation. Eventually, a sheriff was sent to the address listed on my Indiana state driver’s license and the state revenue service reported a no payment tax lien on my credit report.

All in all, the state got their crummy 40 bucks but I have the negative hit on my credit report.

I was turned down for a car loan because of it. Am I able to dispute this? If this had been under normal circumstances I would have been on top of things and this thing would have gotten paid before anything bad happed.

Tags: , , , , , , , , ,

Monday, September 14th, 2009 Credit Card & Loan Consolidation 2 Comments

How often does Household Bank report to credit bureaus?

I recently got a Household Bank credit card in order to help build up my credit score. I have only used the card for small purchases and have paid off the balances for 2 months (the amount of time I’ve had the card) but no payments have shown up on my credit report as of yet. I was under the impression that Household Bank reported to the credit bureaus every month. Does anyone know when the payments might show up?

Tags: , , , , ,

Sunday, September 13th, 2009 Credit Card & Loan Consolidation 2 Comments