Comments for compare credit report - transunion experian equifax

Comment on For how long does a derogtory/charge off item remain on a credit report compared to a bankruptcy? by clay

clay — Fri, 25 Dec 2009 15:31:59 +0000

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – freecreditreport.hotusa.org

Comment on For how long does a derogtory/charge off item remain on a credit report compared to a bankruptcy? by zeuz

zeuz — Fri, 25 Dec 2009 02:56:25 +0000

Mildred

7 years for late payments & charge-offs
10 years for public records(judgments & bankruptcies)

Comment on For how long does a derogtory/charge off item remain on a credit report compared to a bankruptcy? by SPIFIMAN1

SPIFIMAN1 — Wed, 23 Dec 2009 04:37:35 +0000

Cindy

Per the Fair Credit Reporting Act (Federal law) charge offs show for 7-years from the date of first delinquency which works out to 7-years and 180-days.

Bankruptcy’s (chapter 7) shows for 10-years from the date of discharge.

Comment on Where do I compare credit reporting sites? by Cadillacman

Cadillacman — Tue, 01 Sep 2009 00:37:09 +0000

Ana

Credit report sites, known as credit bureaus, do not charge you for reporting your credit. They charge the company or person requesting your credit information. If you are denied credit for any reason, you can obtain a copy of the credit report at no charge to you. Unless you are requesting information about another from a credit bureau, there are no fees charged to you. What they do is report information already in their files. If the information is not correct, you have the right to correct it, again at no charge to you. There a 3 major credit bureaus and they all have the same basic services, and the charges are very similar for each. So there is really no reason to compare them, although I’m sure you could “google” “credit bureaus” and obtain lots of information for free..