I have been out of debt since 2005. My personal information on my credit reports are out of date. they show my employer before I went in the military 10 years ago. I am now a nurse and a homeowner. how can I update that. Thank you
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you need to new open credit
the employer entry is right
its just old
employer data shows up when you inquire about getting new credit
you will state
your name
current address
current employer
and current last name. womens names will change when they get married.thats how your employer, address and stuff ends up on your report
from your inquiries
so i would say go get some new credit
you need some any way.
after 2 years of no debt or credit you will have a zero credit score
Wednesday, January 16, 2008
Employer & personal information on my report is out of date
Posted by
OskieGuy
at
4:21 PM
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Labels: employment job credit, remove clean delete
Wednesday, December 26, 2007
Credit report has errors. Says I have credit I never had.
I've requested a credit report and will dispute but what will happen now what are the procedures costs and time?
and dispute the incorrect items on your 3 credit reports
everything above is totally free if you cancel the credit report service in less than 7 days
is worth one or two months / to make sure the updates and dispute really worked
and
how much it increased my credit score
credit dispute answered by mail within 20 - 40 daysof mail date.
once everything is cleared up
Posted by
OskieGuy
at
8:32 PM
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Labels: dispute credit form, employment job credit, lost job
Monday, December 17, 2007
College student credit card charge off collection turned down for job.
I am a college student, and I fell into the trap of signing up for a credit card in 2005 to help with some of the cost of my books, etc for school. I was able to open an account with Capitol One, and my credit limit was $300. Capitol One eventually ended up closing the account because of non payment. The account is currently showing up as a charge off on my credit report, and is $785 past due, and has been sent to a collection agency known as NCO Financial. They were offering to settle at one point at time, but I disregarded the letters they sent me since I had no way of paying them. The last time I received a settlement letter from them was in March. This is the only negative balance on my credit reports. Everything else I have are student loans which are all in good standing. I did not think this one negative item was that big of a deal since it’s the only negative item I have, and it is not considered to be an “outstanding amount” of debt compared to others. However, I was turned down for a job because of this a few months so now I see how serious it is.
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i would call capital one first
then if they do not help
negotiate with collections agency
one needs three open lines of credit
that report to a bureau
and are at least one year old.
Posted by
OskieGuy
at
8:07 AM
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Labels: collection, college student loans, employment job credit, remove collection
Thursday, November 15, 2007
filed chapter 7 2002 score checked for employment job
I filed Chapter 7 Bankruptcy in 2002. Currently, I have five open lines of credit, all in perfect standing. I checked my credit reports in Oct. 07, and the scores were 659, 640, and 710. This past weekend I rechecked, and the 710/Experian score had decreased to 619, while the other two scores had increased to 690 and 692. I paid off my car loan in October, with no late fees or negatives. I have examined the Oct. and Nov. credit reports and I am unable to determine any cause for the rapid score decline reported by Experian. My credit will be checked this month for employment purposes and this score is an important factor. Please advise.
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i think you will be ok on your job check
unless they dont hire people with a bk showing
620+ is the standard for people with good credit
680 is average with no lates payments ever in thier life
If your credit the past 2 years os strong you should have no worries.
have an explanation for the bk
I can not make a decision about a report I cannot see.
So thats all the advice I have I guess.
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Thanks for the advice. I just discovered your web.site and have found it extremely informative. One more question. Experian also reports a last name I never used in the personal information section of my credit report. Previously, I co-owned property with an individual and it is this person's last name and my first name. I attempted to dispute this information online but was directed to call. When I called the number, there was no appropriate option nor could I get past automated symstem. Write a letter?
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Bo
Go here > Dispute form and dispute the error
anything old
anything inccorect
Posted by
OskieGuy
at
3:22 PM
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Labels: Chapter 7, dispute credit form, employment job credit, fico beacon credit score
