LoveToKnow Creditcards:AllComments

From LoveToKnow Creditcards

Comments

Chev.girl51,

Any unpaid bills can be reported to a credit bureau and reflected on a cardholder's credit history for seven years. These unpaid bills can cause immediate interest rate changes or you may not get an increase unless you ask for more credit such as a credit line increase. To avoid surprises in the future you can request a free copy of your credit report from all three bureaus annually.

-- Contributed by: SusanWeber

My husband and I went to our bank wanting to increase his limit on his credit card. His credit score is 705=A. We found that my husband had two unpaid bills that were turned over to the credit bureau. Being that he did not have an A+ to get the increase the bank told us that he could still get the increase, but that his interest rate would go from 9.0 to 11.9%. We asked the worker if we paid the debt, would it come off the Credit Bureau. We were told that one out of the three credit bureaus, would take our payment but would not take it off his credit report. We need written statements from all three credit bureau's (Experion, Trans Union & Equifax. We were told that even should we pay our two very small dedts that the credit would stay the same and would also stay on the record another SEVEN YEARS. What is matter with this? It makes no sense. It is like being punnished for trying to improve his credit and wanting to pay back his dedts. Please get back to me on this. And being that the (3) credit bureau's I mentioned are working together...please pass this complaint over to them. Thanking you in advance!!

-- Contributed by: I need a reply to my complaint

Donald,

You should send each of the three credit bureaus a letter requesting the closure of their files and attach copies of the death certificates. It is always a good idea to keep their credit bureau files open until you file their final tax return and until you have had a chance to close out all of the details of their estate, particularly their financial and insurance accounts. This could be several years after their death.

-- Contributed by: SusanWeber

How do I report my Mother and Father's death to the three credit bureaus and close their credit files.

Don Freeman [personal information deleted]

-- Contributed by: Donald Freeman, JR

Michelle,

You will need to contact all three credit bureaus for help. There are ways to restrict whether anyone can check your credit report or not, but it does take a little work on your part.

Unfortunately the only way to make this happen is directly through each credit bureau. In addition to Experian, you should also contact TransUnion Credit Bureau and Equifax.

Good luck!

-- Contributed by: Debbie Vasen

I need to ask a question about the number of hits (requests) from credit card companies on my credit report. I have not filled out any more credit applications for any credit card companies. I'm concerned that someone might be trying to get accounts in our names. Some of these companies have requested info from our report 11 to 30 times in a short period of time! Some multiple times per a specific month. Some I have never heard of. Can you please not allow this. I have always been told that this takes off points from our credit score also. We are trying to get our score up could you help by not allowing them in soooo much. I called the only company that posted a phone# and she told me (in a snotty way) that "there is nothing we can do about it, you will have to contact the credit bureau." I called our bank and informed them of all the details. "They" even thought that was unusually high for these (hits for) requests. Please write to me with some information on this subject. I'll be looking forward to hearing from you thru my email address. Thanks so much, Michelle D. Davis

-- Contributed by: Michelle Dene' Davis
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