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How long after paying off a credit card does it take to reflect on a credit report?

Question by penny g: How long after paying off a credit card does it take to reflect on a credit report?
Lets say I have 4 credit cards totalling $ 3000. I then wrote out 4 checks and paid off each card in full on the same day. How long would I have to wait until my credit report reflected all of these charges paid off?

Best answer:

Answer by princess zaria
by the the collection agency has 3 months 2 update ur credit report, then they update it as paid in full or settled in full.

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Tags: after, card, Credit, long, Paying, reflect, report, take

Q&A: How bad do inquiries look on your credit report and how long will it stay?

Question by Virginia: How bad do inquiries look on your credit report and how long will it stay?
I have a credit score in the mid 600s, but have been denied credit because of too many auto credit inquiries. How long will they stay on my credit report?

Thanks!

Best answer:

Answer by Jon K
Inquiries stay on your report for 2 years, and it all depends on the timeframe between inquiries is. The more inquiries look bad to many lenders, as it says you may be applying for more credit than you can handle, so only apply for what you need.

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Tags: Credit, inquiries, long, look, report, stay

What website provides the best credit report for free?

Question by cher heilman: What website provides the best credit report for free?
I want to find out what my credit report looks like and my credit score. Can someone offer advice to which websites I should go to that provides the best credit report and score for free?

Best answer:

Answer by verda
if you are looking for the free credit report national site, check out this site

http://free-credit-report-national.info

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score.

Hope this help,

Give your answer to this question below!

Tags: best, Credit, free, provides, report, website

How often does Household Bank report to credit bureaus?

Question by Sandra: How often does Household Bank report to credit bureaus?
I recently got a Household Bank credit card in order to help build up my credit score. I have only used the card for small purchases and have paid off the balances for 2 months (the amount of time I’ve had the card) but no payments have shown up on my credit report as of yet. I was under the impression that Household Bank reported to the credit bureaus every month. Does anyone know when the payments might show up?

Best answer:

Answer by Mark
since the account is so new, it may take up to 3 months for it to show up on your report. Household Bank is HSBC, and they, like many other banks, report monthly to the three credit reporting agencies. Give it some time and look again, it will show up unless they have your information wrong, such as your social or name. If you don’t see it by the next billing cycle, I would call them and ask.

Marla, you obviously don’t know what you are talking about. If that were the case, then why do we emphasize so much on getting a good credit history? So, basically an 18 year old will have perfect credit because theres no deragatory information reported about them? I think you’ve lost it…Positive credit history plays a major role, and accounts are reported Monthly, and all types of activity is reported such as payments, balance, etc.

What do you think? Answer below!

Tags: bank, bureaus, Credit, Household, often, report

What website provides the best credit report for free?

Question by Dan R: What website provides the best credit report for free?
I want to find out what my credit report looks like and my credit score. Can someone offer advice to which websites I should go to that provides the best credit report and score for free?

Best answer:

Answer by nw_curt
https://www.annualcreditreport.com

All of the credit bureaus must give you a free credit report every year if you ask for it. The other sites just lure you in, so they can sell you other services.

You can get a free credit repair report from the site below.

What do you think? Answer below!

Tags: best, Credit, free, provides, report, website

How long will it take to regain good credit report?

Question by Nella: How long will it take to regain good credit report?
My boyfriend knew he had bad credit but didn’t know what was in his credit report. He got his report off of one of those free websites. He has a couple of collection items on it. When he pays them back, how long will it take to come off his credit report? Also, when will credit card companies trust him enough to give a credit card after he pays back his debts?

Best answer:

Answer by Ryan M
It takes 7 years for a reported item to come off of a credit report. This is done on purpose. Depending on just how bad his credit is, it might be several years before he can get another credit card. Banks are really cracking down on giving cards to people with a history of being financially irresponsible.

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Tags: Credit, good, long, regain, report, take

Only 1 credit agency is reporting a score for me, how do I get the others to report a score for me?

Question by navigator_inc: Only 1 credit agency is reporting a score for me, how do I get the others to report a score for me?
I have an excellent credit score @ 774, but only Experian is reporting a score for me. How do I get Equifax and Trans Union to report also?

Best answer:

Answer by demonic angel
Call them and ask them to. Yes it is that easy.

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Tags: agency, Credit, only, others, report, Reporting, score

Q&A: How is your credit affected if you cancel a bankruptcy? How does it appear on your credit report?

Question by $ Question: How is your credit affected if you cancel a bankruptcy? How does it appear on your credit report?
I filed for bankruptcy a few weeks ago but am now thinking of cancelling. From what I understand, once you have filed it is on your record, but what I want to know is that if I was to cancel the process, how does it show on my credit? Will appear as cancelled or will it just show that I did file for bankruptcy?

Best answer:

Answer by SPIFIMAN1
It will show as dismissed.

What do you think? Answer below!

Tags: affected, appear, Bankruptcy, cancel, Credit, report

How fast do credit card companies report changes?

Question by leeanne callaway: How fast do credit card companies report changes?
I have paid down some balances already for some time but the changes are not appearing on my credit report. I’m not pulling up my credit however, I have alerts when my scores go up or down or if there’s inquiries etc. Do I have to ask them to report the change in balance? Why is it that when you rack up a ton of charges they report them really fast but when they’re paid off, they take forever? Is there a way to “speed up” the process?

Best answer:

Answer by jack
hi,

if you are looking for the best credit report site, check out this site

http://Credit-Report-Online-USA.com

Here you can get your Free Credit Score and Report

hope this help,

Add your own answer in the comments!

Tags: card, changes, companies, Credit, fast, report

What credit report service is the best value?

Question by Jess Polk: What credit report service is the best value?
I want a service that I can view my credit report and credit score for all major credit bureaus 3 or 4 times a year and make disputes quickly and easily as needed. I don’t want to pay an arm and a leg. I shouldn’t have to buy my own personal information in the first place.

Best answer:

Answer by Liddie
if you are looking for the free credit score usa national site, check out this site

http://Credit-Report-Online-USA.com

Here you can get your 3-in-1 free credit report and credit score rating

Know better? Leave your own answer in the comments!

Tags: best, Credit, report, Service, Value