Credit record query.?
551658
Stopping the charge on your credit card isn't going to stop the creditor from coming after you. It just means they have to sue you for it.  \n\nThey will also be able to locate your credit report and place a report on it, even without a SSN.  They have other matching info, like phone number, address, and more.  \n\nThose gym/spa memberships are tightly worded, I wish people would read them more carefully before signing them.
406497
There are 2 types of credit inquiries, Hard, such as when you apply for credit, and soft, when you are just accessing the credit information.  To get your credit score, and avoid a hard inquiry, go to each of the 3 major credit bureaus websites (experian.com, equifax.com and transunion.com) and do a SINGLE bureau report with score.  They run approx. $15.00 each
613896
Only if it is not true, or the credit company was served with papers to remove it.  How so you know record was expunged?
502998
The closest that you will come is www.billmelater.com. But as you stated, they will check your credit.
217613
At the end of your credit report is a list of phone numbers that reflect who has liens against your credit.  You are going to need to call the people that have this against your credit and have them fax you a letter saying this has been cleared so you have it for your records.  Then they will put through again that it has been cleared to the reporting agency, which will typically take 60 days.  I would also fax the letter they send you directly to the credit agency.
1141640
Often it is a overall history of your credit, not just a period where someone fell on hard times.  I am with you about it being messed up!!  \n\nExample- \n1) 30 years credit history, 40 closed accounts paid as agreed, 10 open accounts paid as agreed, low balances, declared BK 5 years ago, and had a car repossed 5 years ago.\n2) 3 years credit history, 5 open accounts, many recent inquiries to get approved for any of those 5 accounts.\n\n#1 had a obvious hard ship, and by declaring BK was able to close or discharge some of the derogatory accounts.  In 30 years of reported credit history he has demostrated a willingness to repay his debt, although at one point he had to lose everything by declaring BK.  If 5 years had passed the repo and BK affect his credit less over time.  It is still reported but not harming his fico any longer.  It lowered his fico at one time, but they will not continually decrease his score because of it.   After BK establishing new credit also improves his score.  \n\n#2 Being a new consumer to the credit world, you will need many years of paid as agreed, maintain balances around 40% of your limit, and you need a good mix of open credit.  Mtg, auto, and revolving credit in your file.\n\nI do agree with what your saying, and my job has allowed me to pick the brains of credit experts who clean up and rescore the people with those repos and BK.  I have complained endlessly about my own situation, I had a medical collection for $90 I tried to pay the hospital and they said it was under $100 the legal amount necessary to collect so it was delted from thier system.   4 years later it popped up with a balance of $181 through 3 different debt collectors all trying to say it is thier account I must pay.  The credit gurus I work with, advised me to ignore all 3 collections as it will by law have to be removed in Dec of 2006.  If I paid it, it would begin reporting new for another 7 years as a collection that was paid.
1186750
WHAT THE HECK DOES THIS HAVE TO DO WITH CREDIT
939898
call any of the credit reporting companies.  they will put it on your file at no cost.
1127393
Check you credit report\n\nget a free on on www.annualcreditreport.com
547357
Use the Credit Bureau sites. Read everything on these sites. They give good advice and guidance toward improving your credit record.   Each year you can now get a free report from each of them. You can also buy a report that includes you FICO score. This number will give you and potential lenders an idea of what to expect from you regarding repayment of debts.\n\nIt is more than just time. It matters what else is on your record, how stable your residence has been, even where and what kind of home you live in. It helps to learn which lenders are more lenient, and to start with them and work your way up carefully.
907416
go to annualcreditreport.com
1047438
What you need to do is dispute these reports with the credit bureau.  What they are doing is illegal and if these reports are not removed, you can sue them in small claims court for $1000 for each entry!  <cha-ching$$$>\n\nBut you need to do it right!  So follow these instructions.\n\nSend a dispute letter to the credit bureau listing these entries and point out these are duplicate entries. \n\nThe Bureau will then contact each of the creditors and "verify" that the debts are valid.  If they get no response the report is deleted.  If they respond back and verify the debt, the report stays on your history.\n\nAt the same time, send a "demand to validate" letter to the creditors who are listing these entries.  Demand that they send you copies of contracts, bills, receipts, and anything that was used to calculate what they claim you owe them.  They have 30 days to respond.\n\nIf they do not send this, send another letter to the credit bureau and demand the listing be removed due to "lack of validation".  \n\nMake sure you send all of these letter by certified mail to prove you contacted them.  \n\nIf the listings are still there, file a lawsuit in small claims court.  It's easy and doesn't cost that much.  \n\nI had to do the same thing to get an inaccurate listing removed from my record, and won $1200 for my troubles.  Don't let them push you around!
1080999
what dose that have to do with credit
349906
You can send the CRA's a letter requesting that they add the loan to your report.  Give them as much info about the loan, and they will verify it with the lender.\n\nCreditors are NOT required to list credit histories with the credit reporting agencies.  Many of them do not even have access to send them that information.
1170022
Visit Creditboards.com or creditnet.com. Lots of helpful people there that might be able to point you in the right direction.\n\nGood luck!
798698
Your credit score and payment history, the amount of available credit you have.
1048340
While most negative credit information remains on your credit report for a maximum of 7 years, some information remains longer.  According to the three credit reporting agencies and the Credit Reporting Law of 1996, different types of credit information generally remain on your credit file as follows:\n\n(1)Credit Accounts - Negative information remains for 7 years from the initial missed payment that led to the delinquency. Keep in mind that active positive information can remain indefinitely.\n\n(2) Collection Accounts - A collection account remains for 7 years from the initial missed payment that led to the collection.\n\n(3) Public Records - Chapter 7, 11 and 12 bankruptcies remain for 10 years from the date filed. Completed Chapter 13 bankruptcies remain for 7 years from the date filed, and 10 years if not completed. Tax liens remain for 7 years from the date filed if paid and remain for 15 years if not paid. All judgments remain for 7 years from the date filed.\n\n(4) Inquiries (these are creditor not consumer inquiries) - \nInquiries remain for 2 years.\n\n(5) Special Cases - \nNew York State Residents Only: Satisfied judgments remain 5 years from the date filed, while paid collections remain 5 years from the date of last activity.\n\nCalifornia State Residents Only: All tax liens remain 7 years from the date filed.\n\nSo keep in mind that the type of debt that you have on your credit file, will determine the length of stay on your credit file. Also there were some special provisions of the Credit Reporting Law regarding amounts, ex. negative information can be reported longer than 7 years for credit transactions over $150,000. So I hope this helps but you can always find more information on the FICO website below. \n\nPS. Please be careful of the individual below who states that with a dispute, negative information can be removed. It is correct that negative information has to be verified by the credit bureau within 30 days, and believe me they will verify. The only thing you will get is a response from the bureau saying that "the information has been verified as accurate, and WILL remain on your credit file". Creditors keep information on file regarding bankruptcy for the period of the bankruptcy especially if you file a Chapter 13 (restructered payment plan). Don't be fooled to think that it's that easy to have accurate negative information removed, in fact this could be considered fraud if you knowingly dispute information that IS accurate.