Checking credit report verification...?

When I was checking my credit report, it says that I took out a mortgage in February of 2002 and asks for some information about it in order to verify that it is my report.

Problem is, I have never taken out a mortgage...ever. Is it possible that this is a trick question as on all of the questions there is a none of the above response? Has anyone else heard of or had this problem?

Checking credit report verification...?

Yes it could be a trick question. If you don%26#039;t have one don%26#039;t aswer as yes. I got mine check out and it asked questions like that, I believe if somebody is trying to access it and they are not you they won%26#039;t know the answer. So is more like to protect you. However they should be some questions that do apply to you. I had a question asking what company I have for a loan I took, and it mentioned like three different companies, one was mine and I clicked then it ask how much per month do I pay. These are personal questions. Once u open the credit report u will see what is there and if something is not then u need to contact the credit companys for possibly frau*d. i hope this is not the case for you. HTH

Checking credit report verification...?

If you%26#039;re just answering the brief questionaire in order to actually see your credit report, yes, this could be very normal. Check none of the above and be sure not to type in any personal information if you don%26#039;t feel right about it or don%26#039;t trust the site. (You can always see your report without your score for free at annualcreditreport.com, by law)

Checking credit report verification...?

It is a trick question. Answer it truthfully. How else are they going to know if it is you? I got the same question while I was trying to check my report. It is just so they can throw off somebody who wouldn%26#039;t necessarily know if you had a loan or not.

Checking credit report verification...?

It%26#039;s entirely possible that they have the wrong information listed on your credit report and in fact are reporting that you do have a mortgage. It happened to us.

We pulled my husband%26#039;s report and they had him owing back child support(he had no children) and also showed several charged off accounts that were not his. They even had a defaulted mortgage listed when he had never owned a house.

Equifax had merged someone elses account information on his credit report. The other person had a very similar social security number. We disputed the information and Equifax promptly removed all but one of the charged off accounts. We had to fight the company to get that account removed, but did eventually get it taken off.

Perhaps you could check one of the other credit agencies first if you want to do an online check. Maybe try to pull the report again and they might ask you a different question this time? You may end up having to order your report by mail. By all means, check it out. You will probably find errors that need to be changed. Good luck!

How do i get my credit card off my ex-husbands credit report.he's not even on it?

we have been divorced over 12 yrs this is a card i got on my own and one day he showed up on it so i contacted the credit card place they said he%26#039;s not on it but it%26#039;s showing up on his credit check how can i resolve this

How do i get my credit card off my ex-husbands credit report.he%26#039;s not even on it?

Best bet is to get the credit card company to correct the error. They reported the information to the credit bureau, it is much easier for them to correct it.

If they will not help, your ex needs to contact the credit bureau and complain about it appearing on his report. They will investigate and update as appropriate.

How do i get my credit card off my ex-husbands credit report.he%26#039;s not even on it?

contact the credit agency where this occur and dispute it...most likely they will remove it.

How do i get my credit card off my ex-husbands credit report.he%26#039;s not even on it?

do contact the company again .,.

How do i get my credit card off my ex-husbands credit report.he%26#039;s not even on it?

contact whatever credit bureau it is showing up with and explain the situation and ask them to resolve it.

How do i get my credit card off my ex-husbands credit report.he%26#039;s not even on it?

call credit card company back an ask for written, dated proof that he is not on it, then you will not be responsible for any of his charges if in fact he is on it, it may be possible for you to also charge him with fraud if he is on it, good luck to you .

How do i get my credit card off my ex-husbands credit report.he%26#039;s not even on it?

you each need to contact the credit agency and file a claim to correct the information. in most cases, they can take care of that sort of thing in a matter of days. i have disputed several items on my own report... it is great that you are keeping a close eye on that stuff, too! good catch and i am sure contacting the credit agency who produced the report will be sufficient. also, be prepared to produce past credit card statements showing that he wasn%26#039;t on it and never used the card... failing all else, simply cancel the card and get a new one! :) you may need to make sure that his info isn%26#039;t still connected to you in your credit history... by law the credit agencies are supposed to help you out with that stuff... give them a chance to do it.

How do i get my credit card off my ex-husbands credit report.he%26#039;s not even on it?

Write a formal letter to the credit agency disputing the charge. Send it certified, return-receipt requested and save your receipts. In the letter, list that you have contacted the credit card and they agree that your ex is not on the card nor is he responsible, then list their phone number and address so that the bureau can reach them to verify.

After all of this, you should receive a letter in the mail showing that it has been removed on your credit. If you haven%26#039;t heard back in 6 weeks, do the letter again and send copies of the first letter too. Again, send it certified and return-receipt requested.

It takes stick-to-it-ness, but it works.

Also: Credit bureaus often want to confirm your identity in the letter. Each has different requirements. Some have fees involved.

Some want driver%26#039;s license numbers and a copy of a recent bill proving you%26#039;re at that address.

You can find the requirements in the below addresses. Sometimes you can even file your dispute online.

It takes some digging in their websites, but the information is there.

http://www.equifax.com/

https://www.csccredit.com/www/csccs.nsf (these guys handle some of the equifax disputes depending on where you live.)

http://www.experian.com/

http://www.innovis.com/

http://www.transunion.com/index.jsp

If it is showing up on your ex%26#039;s credit reports, then he%26#039;s the one that will have to do all of the above steps. Give him the credit card%26#039;s contact numbers and let him know what%26#039;s involved. It%26#039;s his report that is messed up, then it%26#039;s his responsibility to fix it, you have no way of accessing his private records in that manner.

How do i get my credit card off my ex-husbands credit report.he%26#039;s not even on it?

Send the credit card and the reporting agency a copy of your divorce decree.

No credit card company wants to give credit to someone if they know they are not entitled to it. Reason: they can%26#039;t collect money or interest or penalties. They lose money. He will be off promptly.

How do i get my credit card off my ex-husbands credit report.he%26#039;s not even on it?

I don%26#039;t think it will do any good to file a dispute with the credit reporting agency regarding someone else%26#039;s report. Your husband will have to do that.

What you need to do is contact your credit card company and make them do it.

If your husband won%26#039;t contact the CRA and file a dispute, I%26#039;m not sure how to proceed. Never had to deal with this before. Usually it%26#039;s someone else%26#039;s item on YOUR report, and that%26#039;s easy to fix.

How do i get my credit card off my ex-husbands credit report.he%26#039;s not even on it?

write to them, explaining that he is not reasonable for this bill, that he is not a card holder at the time. look at your divorce degree to make sure he was not ordered to pay it

If i get a credit report does it change my rating in any way?

i%26#039;m going to rent an apartment and they%26#039;re going to do credit check...i haven%26#039;t seen mine in awhile and i%26#039;d like to get a look at it before hand.

If i get a credit report does it change my rating in any way?

Some of these answers are not correct.. A FICO is determined by a number of things - for instance if you have your credit pulled by numerous %26quot;similar%26quot; agencies (like a bunch of automobile shops, or a bunch of mortgage companies) it will hit you far less b/c they consider you as a %26quot;shopper%26quot;. 1-2 pulls will have no effect on your credit within 90 days.

Any more pulls other than 2 within a 90 day window will affect your credit slightly, but it is barely noticeable. I work as a credit counsellor and am very familiar with this.

Also take note that correcting your address and work history as 1 address and 1 job within the past 12 years can typically boost your scores approximately 10-22 points.

If i get a credit report does it change my rating in any way?

You are alloted a certain amount of credit pulls before it starts affecting the score. Usually its after 6 hits in an 12 month period. You can go to MyFICO.com and that may have an exact answer. Its ok to have your credit pulled, just do get carried away.

If i get a credit report does it change my rating in any way?

Each time someone get your score few points are deducted, it%26#039;s not a big deal, so it won%26#039;t change anything just don%26#039;t do that every month.

If i get a credit report does it change my rating in any way?

Pulling your own credit report does not affect your scores or count as an inquiry. Go to annualcreditreport.com- pull all 3 bureaus free once per year. It does cost if you want your score though.

If i get a credit report does it change my rating in any way?

Not much affect if you pull your credit once a year. It maybe good idea for you to get a credit report.

If i get a credit report does it change my rating in any way?

You can get a free copy of your credit report each year. Usually they do not contain the score unless you pay for it.

Will wachovia credit my account the next day for a 900 check?

It will look that way. They assume the check is good unless/until they hear otherwise.

If it comes back as bad and you have relied on it for your checks or debit purchases or electronic payments, then the cascading insufficient funds fees are really going to hammer you. Be really careful about that. Establish a reserve in your checking account so that you never have to worry about it!

Good luck!

Will wachovia credit my account the next day for a 900 check?

I think you get $100 the day you deposit and $800 five days later after they verify the check is good

Will wachovia credit my account the next day for a 900 check?

Is it going to a credit card or a checking account?

Credit card - If you%26#039;re mailing the check, no. It takes several days for them to receive %26amp; process it. If you%26#039;re paying online, probably not. My experience is that it still takes 2-3 days to show on your account.

I%26#039;d call them %26amp; ask to be sure.

Whom do I report to take a legal action against a credit bureau?

I am having trouble with the Equifax Credit Bureau.They are not updating my current address on my credit file though I applied for credit from my new address which eventually changed the address on my credit file in Experian and Transunion.I also have faxed them a proof of my current address with a copy of my photo ID and also a letter clearly requesting them to update my address.I am having a lot problem lately for renting a car or leasing an apartment and almost everything that involves a credit check and every commercial organization request a credit report from Equifax which in my case they are not able to get because of the outdated address on my file.

Whom do I report to take a legal action against a credit bureau?

I would have a lawyer write a letter to the credit bureau. I be that would help.

www.getprotectedhere.com

Whom do I report to take a legal action against a credit bureau?

Try this -

http://www.ftc.gov/bcp/menu-credit.htm

It is the Federal Trade Commission...I think you can file a complaint with them...

Whom do I report to take a legal action against a credit bureau?

If it has been longer than 35 days (if you are using a paid report) -or longer than 50 days (if you used the free FACT-Act reports), since you have done your personal information dispute with Eq. then I agree with Michael, file a complaint with the FTC. Also file a complaint with your states attorney general.

The times that I listed are the legal time periods for the credit bureaus to handle any disputes etc on your reports. So if it has not been that long since you tried to update your personal info, wait until it is before you file complaints.

But, it doesn%26#039;t stop with just filing the complaints.The FTC usually doesn%26#039;t do much unless they have a bunch of complaints. Even though they usually don%26#039;t do much, just filing the complaints gets things done.

After you file your complaints, send Equifax copies of the complaints you had filed and demand that they update your info.

The bureaus usually comply with requests after you show them you had made those complaints.

Whom do I report to take a legal action against a credit bureau?

Federal Trade Commission - www.ftc.gov

When you mail the credit bureaus letters, make sure they are return receipts, otherwise, you never mailed a letter.

You can go to Equifax online and update your address.

Whom do I report to take a legal action against a credit bureau?

I hate to be honest, but your credit file is based on information received from credit applications you authorize.

You cannot be denied credit due to a address listed incorrectly. Your credit report gives a warning that %26quot;current address does not match address in file%26quot;. You may have a CREDIT ALERT %26quot;started by the 3 CBC, that requires the people who run your credit verify you are the person you say you are.

Can a credit card company garnish wages from a federal disability check?

don%26#039;t think so, unless ordered by a court.

Can a credit card company garnish wages from a federal disability check?

I know government type of checks can%26#039;t be garnished.

Can a credit card company garnish wages from a federal disability check?

no but seek kegal aide with that

Can a credit card company garnish wages from a federal disability check?

No they cannot

our most important exemptions include:

* Necessary clothing

* Income from Social Security, unemployment compensation, public assistance, veteran%26#039;s benefits, disability benefits and private pensions

* Alimony and child support payments

* Take home pay up to $292.50 per week after all state and federal taxes have been taken out

* $15,000 worth of equity on the home you live in (including a mobile home or condominium). %26quot;Equity%26quot; is the amount that something is worth in its current condition (what you could sell it for) minus what you owe on it. So if you own a $50,000 home with a $45,000 mortgage, you have only $5,000 worth of equity. Your creditor can%26#039;t take it;

* A motor vehicle (car, truck, van, etc.) in which you have $2,400 worth of equity or less. If you own a car worth $10, 000, but you owe $9,000 on it, you have less than $1,200 worth of equity and your creditor can%26#039;t take it. You can also %26quot;stack%26quot; on the $4,000 %26quot;other personal property%26quot; exemption (see last item in this list) to allow you to protect a motor vehicle in which your equity is as high as $5,200;

* Tools of your trade which are not worth more than $1,500 total

* $4,000 worth of any other property. You have the right to choose the property. It could be a bank account, a tax refund, household furniture and furnishings jewelry, anything or any combination of things as long as the total value is not more than $4,000.

Can a credit card company garnish wages from a federal disability check?

I would say no!

Can a credit card company garnish wages from a federal disability check?

It%26#039;s a Bush Administration, I wouldn%26#039;t put it past them.

Can a credit card company garnish wages from a federal disability check?

No they cannot garnish your SSDI no matter what state you live in.

Be very careful because even if your SSDI is exempt, and you have it in a bank account, they may try to grab it (even though it is illegal). If they do, you can get it back but it will take time.

If you have it in a bank account that you deposit other funds into, say your spouses check, a birthday check from your great aunt Ruth etc., that leaves the door open for them to garnish your bank account.

So, unless you have an account that is only used for your SSDI checks, I would suggest closing that account. Then either open another account or just deal in cash.

As far as your other exemptions, you need to read your state statutes to see what is exempt in your state. Exemptions vary by state.

How do I Know if ill get hired depending on my credit and driving record?

I recently applied for a job that requires a credit check and driving record check how do I know if I have good enough credit or is it based on score?

How do I Know if ill get hired depending on my credit and driving record?

You don%26#039;t because the way checks are done is varible. So you just apply and see.