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Credit Report Questions

Credit reports are a list of a person's credit activity during the last 7 years. Credit cards, cable companies, cell phone companies, car loans, etc. are usually all listed in this report. If a person files bankruptcy, that too will be listed on a credit report but will remain on the report for 10 years. Information such as delinquent accounts, missed payments, accounts with good standing, how long an account has been active, or if an account has went to a collection agency. The good, the bad, and the ugly are all listed on the credit report. Lenders use the credit report to determine whether the person is a good candidate for credit. Below are a few of the more popular questions regarding credit reports that have been answered by Experts.

Can my wives attorney run my credit report without my permission?

Your credit report is protected by the Fair Credit Reporting Act which is a federal law that regulates who can have access to a person's credit report and for what reasons. The FRCA states that a business must have a legitimate reason before accessing your credit information. It is a criminal offense to obtain a person's credit information under false pretenses and is punishable up to a year in jail.

Businesses and lending institutions can obtain a membership to credit bureaus in order to gain credit checks on potential customers. However, the members must sign a contract agreeing to use the credit information for legitimate reasons such as employment or loans.

Here are the types of organizations that can access your credit report and do a credit history check: lenders, insurance companies, landlords, credit card companies, companies with which you are seeking employment (but only with your written consent), organizations that are considering your application for a government license or benefit (if the agency is required to consider your financial status), state and local child support enforcement agencies, government agencies, other companies with which you've initiated business.

If someone has a judgment on my credit report was served a summons to an address no longer lived at, is the judgment still valid if the summons was never received?

While the judgment is a valid judgment, you may be able to do something about it. The creditor already has the judgment against you so they don't have to show who signed the summons.

The first thing you should do is file a Motion to Vacate the Judgment in the same court that allowed the judgment against you. You need to contact the court clerk's office to review the file. You will be able to see who (if anyone) signed for the service of the summons. You can hire an attorney to draft the Motion to Vacate or draft your own.

You will need to prove that you were not living at the address where the service was sent and that address isn't a relative's address, you may be able to have the judgment removed. Then you can go to court and deal with the debt.

In New Jersey, can a collection agency check your credit report?

A person's credit report holds certain information pertaining to your residence, your ability to pay debt, and whether there have been judgments placed against you, if you have been arrested or if you have filed for bankruptcy. This information can be sold by credit bureaus businesses, insurers, creditors and employers who use the information to determine an application for credit, employment, insurance or renting a home. The privacy and accuracy of this information is regulated by the Federal Fair Credit Act.

There is a way to stop collection agencies from accessing your credit report. Because you live in New Jersey, you can put a security freeze on your credit report. This freeze keeps creditors from viewing your credit report. Here is the link to the State of New Jersey Department of Banking and Insurance. The information in the link will assist you n putting a security freeze on your credit report. http://www.state.nj.us/dobi/division consumers/finance/creditfreeze.htm

How do I put a judgment on someone's credit report who refuses to pay a civil claim I won against them?

The most direct and easy way to collect would be to let a collection agency take care of it. The collection agency will require a percentage of the money for the collection. The collection agency also has the ability to report the information directly to the credit reporting agencies.

A person's credit report is a list of credit information that has been incurred for the past 7 years. The good credit, bad credit and current credit is all listed for a lender to see. Many people are unaware of the importance of a credit report until they go to the bank and want to take out a loan. Oftentimes, a person receives a black mark on their credit report that is incorrect. This type of score may damage the person's ability to assume a loan or gain credit. If you find yourself in a similar situation, you should ask an Expert for assistance.
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Recent Credit Report Questions

  • This question is for Law Pro,Hi Fred,We have another

    This question is for Law Pro,
    Hi Fred,
    We have another question. We have owned two homes...spotless credit until the BK. Our BK ay told us that, typically, with a clean credit record, most lenders/FHA will consider you for a home loan 2 years post-discharge. However, now we have the judgment. It is for close to $400k!! We won't get that paid off in this lifetime! Does this quash our ability to ever own a home (short of a mobile, per your last answer...that's not on my wife's dream-home list, if you know what I mean...)? We have three young children and the thought of renting homes (which we are doing now) seems very transient---we are at the mercy of landlords, which affects school districts, etc. Can we ever qualify for a home loan with a judgment on our credit? Anyway to get around it? Does it ever "fall off" the credit reports? Thank you, again.
  • I filed for bankruptcy in 2011. and now someone I called back

    I filed for bankruptcy in 2011. and now someone I called back due to the caller called my daughter said that I got a loan out in 2007 and wasn't paid. was told there would be an arrest warrant for me. can that really happen I filed for bankruptcy not knowing about this and thought everything came out on your credit report. am I wrong in thinking that to.
  • I just recieved an alert on my credit report about a $2,800

    I just recieved an alert on my credit report about a $2,800 charge from Hudson County Civil Court. I looked at report, it said something about FIA Card Services. I had a Bank of America credit card way back when due to tough financial situation, i couldnt pay it off in 2008. The charge-off happened and this is the first time i have seen anything since then. I did try contacting BofA in 2010 to pay it off, but they didnt have my account by then and claimed it was closed.
    I haven't even lived in Hudson County except for those 6-8 months and have lived in CA ever since. I have never recieved any calls or notices to dispute this or fight it out or even pay it off somehow. What are my options at this point?
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