Questions tagged [credit-report]
The credit-report tag has no usage guidance.
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US: under what conditions can information about a missed payment be shared with credit bureaus? [duplicate]
Let's say I notified a property manager that as a tenant I'm withholding rent because of a breach of contract. He starts a collection process: it goes into credit reports, just like that? I live in ...
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How do I read Forms 990? [closed]
I want to start learning about weird political nonprofits I keep seeing on the internet.
Some context: As a teenager,I grew up during the recession and Trump's campaign. I was a bit nervous about our ...
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Can a defaulted debt negatively affect one's credit without being affirmed by a court judgment?
If so, then how? Can creditors report defaults directly to credit rating agencies? What is required for them to be believed if they don't have a CCJ to back them?
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Can ones frequency/propensity of utilizing American (either debit or) credit cards' chargeback mechanisms affect the chances of future times' success
If one requests many chargebacks, can this degrade one's credibility in the credit card issuers/payment networks' eyes, or reduce the chances of future chargeback disputes being adjudicated in a ...
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Legality of Credit Bureaus selling information without consent
I recently had a hard pull for a mortgage done (USA based). Since then, my personal phone number has been bombarded with calls and texts related to "better offers", despite being registered ...
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Employer ran credit check without my consent
I’ve just started a new job as a cleaner and recieved an email from them regarding the credit check they carried out. I was never told this was going to happen or why they would need to. Does anyone ...
Ricky
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Will breaking a lease damage my credit score? [closed]
I have to break my lease to move out of state. The landlord is telling me I will damage my credit and will not be able to rent another apartment for approx 7 years. Is this true?
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Are credit card issuers required to maintain statement receipt records?
Under Appendix E of 12 C.F.R. § 1022.42(b), the policies and procedures of a furnisher of information to credit reporting agencies (e.g. a credit card issuer) must be reasonably designed to ensure ...
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In the US, can disputed claims (factual dispute) still be reported to a credit bureau?
In the US, when reporting unpaid claims to a credit bureau, may creditors also report claims where there is a factual dispute? For example, if I order something online, then do not pay the invoice ...
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Is arbitration an "action or proceeding"?
Section 1681h of the Fair Credit Reporting Act grants limited qualified immunity to creditors, stating that:
[...] no consumer may bring any action or proceeding in the nature of defamation, invasion ...
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Can I have a collections report removed from my credit history?
I have a collections report on my credit history. The credit card company raised the minimum payment without notifying me or raising the automatic payment I set up for the minimum amount. I hadn't ...
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Can a claim be litigated after a arbitration?
Consider this scenario:
Consumer signs a mandatory arbitration clause with a creditor that does not require Fair Credit Reporting Act (FCRA) claims to be arbitrated
Creditor reports inaccurate ...
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Can a consumer bring an FCRA claim twice concerning the same inaccuracy?
In the context of the Fair Credit Reporting Act, a consumer has no private right to action to sue a creditor for reporting inaccurate information to a credit reporting agency (CRA). A consumer does ...
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FICO score calculation exact breakdown
Do I have any legal ground to demand an exact breakdown of my FICO score? The precise formula and data points that were used for my report, not some generic explanation.
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credit report on decedent
As the estate executor, is it ill-advised to try to obtain credit report on decedent? I am unsure if the ramifications of doing this are good or may result in potential legal issues? The estate is ...
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