FAQs

Q. Can a bill in dispute affect your credit score? And is there any way to minimize the damage incurred from a delinquent payment?
A. It all depends on who you’re arguing with and what you’re arguing about. if you are disputing a specific merchant charge, most credit card companies will exclude that item from payment until the issue is resolved. However, those disputing a specific credit card bill or fee imposed by a credit card company should tread carefully, especially once the payment is overdue by 30 days or more.

How Long Will a Closed Account Stay on My Credit Report?

Closing an account won't remove it from your credit report automatically. How long a closed account stays on your credit report depends on whether the account was closed in good standing.

What Negative Credit Report Entries Should I Avoid?

Negative credit report information will impact your credit score along with your ability get credit cards and loans. Make sure you know what entries are considered negative so you can stay away from them.

Why Is My Old Address On My Credit Report?

You may notice your credit report contains several addresses including addresses where you no longer live. There's a reason these old addresses appear on your credit report.

Why Are My Credit Reports Different?

If you compare your credit reports side-by-side, you may notice they're not the same. You have different credit reports because not all businesses report to all three credit bureaus.

When Does a Late Payment Go On My Credit Report?

A late payment goes on your credit report after 30 days.

How Long Can a Repossession Stay on My Credit Report?

A repossession can remain on your credit report for up to seven years. If there's a judgment associated with the repossession, that also remains on your credit report for seven years.

What does "Insufficient Number of Credit References Mean"?

If you received an adverse action notice that includes "Insufficient number of credit references" as a reason for being denied, that means you don't have enough credit accounts on your credit report.

How Can I Remove a Closed Account From My Credit Report?

You can remove a closed account from your credit report by disputing it if the account is actually open or if the account includes negative information that's passed the credit reporting time limit.

Where Can I Get a Free Credit Report Without a Credit Card?

The only place to get a free credit report without a credit card is through a process set up by the government.

Is a Paid Charge-Off Better for My Credit Report?

Once you pay a charge-off, your credit report is often updated to show a "paid charge-off" status.

How long do inquiries stay on my credit report?

Credit report inquiries appear on your credit report to show who's checked your credit. These inquiries can affect your credit score so it's good to know how long they stay on your credit report.

Q.Should I dispute multiple accounts in one letter?

Disputing multiple accounts in one dispute letter could lead to problems.

A. No, it’s best to send all your credit report disputes separately, even if you have multiple disputes to send to the same credit bureau.

Will an Unpaid Bill Go on My Credit Report?

Whether an unpaid bill goes on your credit report depends on the type of bill. Some unpaid bills will automatically go on your credit report while others may never be listed on your report.

Will an unpaid medical bill go on my credit report?

Medical bills aren't normally listed on your credit report, but unpaid medical bills may be added on your credit report depending on the circumstances.

How long will an unpaid medical bill stay on my credit report?

An unpaid medical bill won't stay on your credit report forever.

Most medical bills Last 7 years or less.

How long will a paid account stay on my credit report?

How long a paid account stays on your credit report depends on the type of account, whether it's open or closed, and whether it's negative or positive.

How to Get a Free Yearly Credit Report

You can get a free yearly credit report based on Federal law. You may be able to get an additional free yearly credit report depending on which state you live in.

How do I get a free credit report when I've been turned down for credit?

You're entitled to a free credit report when you've been turned down for credit. You must follow certain steps to get this free credit report.