Your One Stop Resource for Saving Money.
Information on credit reporting and public record - The Bills.com Blog
Bills.com Blog > Credit Questions > Credit Reporting and Public Record
Information on credit reporting and public record
Friday, Oct 12, 2007
Question: How long a public record should be in your credit (civil claim paid, date resolved jan 2004,Nassau County,New York
Answer: All items remain on your credit report for up to 7 years. A bankruptcy may remain on your credit report for up to 10 years.According to the Fair Credit Reporting Act, all trade lines can be reported on each of the credit bureaus. However, the reporting agencies must update and keep accurate data in their credit files. If there is erroneous information, you must notify them (typically through a dispute letter sent via certified mail). The credit bureau must investigate your claim within 30 days (unless it is frivolous). If the charge is incorrect or cannot be verified in that time, the credit bureau must delete it or change it as you requested. If they make changes to your report, the credit bureau must send you a new
copy. You can also request that a new copy be sent to anyone who has gotten your credit report in the past 12 months. The credit bureau cannot re-insert the item without giving you written notice.
If there are errors, or you would like to contest items on your credit report, you can contact directly the big three agencies.
There are three major credit bureaus that offer credit reports:
Equifax
1-800-685-1111
www.equifax.com
Experian
1-888-397-3742
www.experian.com
Trans
If there are errors, or you would like to contest items on your credit report, you can contact directly the big three agencies.
There are three major credit bureaus that offer credit reports:
Equifax
1-800-685-1111
www.equifax.com
Experian
1-888-397-3742
www.experian.com
Trans
Union
1-800-916-8800
www.transunion.com
To get a hold of your credit report, contact one of these three bureaus. Each bureau interprets your credit information differently, so you might want to get a report from all three.
If you would like more information or would like to hire the services of a credit repair professional, please visit our credit resource page at: http://www.bills.com/credit/.
We hope that this helped you to Find, Learn, and Save!
Best,
Bill
www.bills.com/blog/
1-800-916-8800
www.transunion.com
To get a hold of your credit report, contact one of these three bureaus. Each bureau interprets your credit information differently, so you might want to get a report from all three.
If you would like more information or would like to hire the services of a credit repair professional, please visit our credit resource page at: http://www.bills.com/credit/.
We hope that this helped you to Find, Learn, and Save!
Best,
Bill
www.bills.com/blog/
Also, make sure to get a free financial health check-up with Bills IQ!
User Comments
Submit questions/comments about this post:
Bill has answered all sorts of questions and has been able to provide those in need of financial guidance with helpful and valuable advice and information on their specific financial area of interest. If you need specific guidance on any of the above mentioned financial areas, feel free to Ask Bill your financial questions and get better informed. Also, make sure to get a free financial health check-up with Bills IQ!
Information provided by Bills.com is for general informational purposes only and is not be
construed as legal, financial, bankruptcy, tax or other professional advice. Should you
require more detailed information or specific professional advice tailored to your situation you
should consult an attorney, financial planner or tax advisor.
While we believe all information provided by Bills.com to be accurate as of the date of its posting, we cannot ensure its accuracy. Use of this site and any information contained on or provided through this site is provided without any representations, warranties or guarantees. Bills.com is not responsible or liable for any decisions or actions anyone may take based on the information provided. Please see Terms of Use.
While we believe all information provided by Bills.com to be accurate as of the date of its posting, we cannot ensure its accuracy. Use of this site and any information contained on or provided through this site is provided without any representations, warranties or guarantees. Bills.com is not responsible or liable for any decisions or actions anyone may take based on the information provided. Please see Terms of Use.
© 2006 - 2009Bills.com LLC. All Rights Reserved.
1. Posted by Anu on Friday 19th October 2007 11:34
How do you report a public record on a person. Such as a execusion of judgement?
2. Posted by Bradford on Saturday 20th October 2007 10:49
Public record documents, including judgements and bankruptcy petitions quite literally get filed at the local court-house. They will also be entered by the court's clerks into electronic databases that can be accessed nationally.
3. Posted by Jerry Hause on Monday 1st June 2009 07:31
I have been contacted by a collection agency over 300 times. I have told them I do not owe the Bill and have asked them to stop calling me. They call me at work at home and refuse to stop. Are they in violation of any law?
4. Posted by Bill on Monday 1st June 2009 09:19
You need to see if the Fair Debt Collections Practices Act applies to you, depending on the state that you live in. You can check for your state laws here: http://www.bills.com/collection-laws/. If you find that your state falls under the purview of the FDCPA, then you can send a cease communication letter. YOu can read more about FDCPA here: http://www.ftc.gov/os/statutes/fdcpajump.shtm