Bank made error that effected my credit report do i have any rights? related questions

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Bank made error that effected my credit report do i have any rights?0keri2012-10-16 00:26:02
in July 09 i requested an additional bank account with my bank I had woth 10 years who refused the reason that after investigating said I had an outstanding balance on your credit card from 2004. This was not true all my letters had been paid and I had received no letter statements, etc. After looking at this admitted fault and promised to clear this error and vacate and open a second accounf me for my direct debits. MedlinePlus MedlinePlus Last week I applied for a loan to consolidate my bills to be rejected again saying my credit score is not enough. I have my credit report online and I knew I had no outstanding feature and there was a great defualt credit card from 2004, no payments so the bank had not followed through there and I promise I went to the branch manager and as the last time I could not believe that she had not taken the case and within 2 days I have received a letter saying he is now off. The bank manager has spoken with the loan department who said they used to ride over and I'll have to wait until my score improves MedlinePlus MedlinePlus I am very upset with this as the reason is that there was this error. It will also take months to build and I can not get a loan anywhere or anythin applie for more on that topic because my file is affected. I am very disappointed by the bank and now I can not even aplly elsewhere, as they have damaged my credit file from my saying that I had an unpaid debt for five years. Is there anythin I can do with the bank. I have written a letter, but I can not talk to anyone until late and they did not even have had to spend an apology I really needed this to help my financial situation. I paid a monthly salary each month so thay can see what I can afford it ..... i hate how they think they can affect someone's file, but then left us with the consequences
Bank made error what are my right?1Sandra Aged College Student2012-10-13 04:14:04
in July 09 i requested an additional bank account with my bank I had woth 10 years who refused the reason that after investigating said I had an outstanding balance on your credit card from 2004. This was not true all my letters had been paid and I had received no letter, etc. After looking statements in this admitted fault and promised to clear this error and vacate and open a second accounf me for my direct debits. MedlinePlus Last week I applied for a loan to consolidate my bills to be rejected again saying my credit score is not enough. I have my credit report online and I knew I had no outstanding feature and there was a great defualt credit card from 2004, no payments so the bank had not followed through there and I promise I went to the branch manager and as the last time I could not believe that she had not taken the case and within 2 days I have received a letter saying he is now off. The bank manager has spoken with the loan department who said they used to ride over and I'll have to wait until my score improves MedlinePlus MedlinePlus I am very upset with this as the reason is that there was this error. It will also take months to build and I can not get a loan anywhere or anythin applie for more on that topic because my file is affected. I am very disappointed by the bank and now I can not even aplly elsewhere, as they have damaged my credit file from my saying that I had an unpaid debt for five years. Is there anythin I can do with the bank. I have written a letter, but I can not talk to anyone until late and they did not even have had to spend an apology I really needed this to help my financial situation. I paid a monthly salary each month so thay can see what I can afford it ..... i hate how they think they can affect someone's file, but then left us with the USDA Agricultural Research implications MedlinePlus PLEASE PEOPLE NOT ME TEWLLING agencys loan or go for AM ONLY AFTER LOAN ADVICE ON MY RIGHTS perhaps someone working in LAW OR BANK ETC
What is the best way to dispute errors on my credit report that are made to look like new delinquencies?0Carmelita2012-09-25 19:44:05
I have some things that are about 2002 and 2003 , when I made some credit mistakes and had some important blackberries and then some charge offs on a couple of credit cards. These collections have gone to the creditor under a different name and acct # and these agencies are making it appear that it is current delinquencies . I have a mortgage , car loan , student loans and new credit cards which are all current ... but these old items are lowering my credit score . I disputed through an Equifax Credit Watch with , but the company denies the error and followed. What should I do ? Is it possible that these are correctly reported as a debt that is actually several years old and not currently delinquent , as they show ?
How is my credit score effected?1Janice - Please Help!!!2012-08-23 02:24:02
I want to buy a new car and wonder how my credit score is performed by comparing the interest rate . Can you check several times in a short period of time as one week or not? I have no debt so how do you make it? I'm stressing because I do not want a loan in different places if you decrease your credit score and makes me look bad.
I need money fast i have bad credit from when i was 18 made mistakes no bank account cant get a loan cant find?0Dally2012-10-06 13:26:46
I need money fast I have bad credit from when I was 18 mistakes I can not get a bank loan cant find a job and Wits End 'm willing to do almost anyhing what do I do.
Bank Did Not Pull Correct Credit Report?2macail2012-11-05 20:05:02
I applied for a small loan recently, about 3 weeks after he was refused to take over payments on a car loan for my student friends was listed as being in payment (incorrect ) and 120 days past due. I was told they have to eliminate the cause of my report that was all , then come back and they can do something for me. Had corrected the mistake with Equifax and returned to my same credit - . That was rejected again by the same. I saw my report ( updated copy ) and my information is correct - the bank will not pull my report today! The research, which should have appeared on that day was not there , but everyone else was , so my old bank report revised that leads me to be rejected. Why not see my report as it was that particular day ? Are not required to run my report again every time you apply ?
Is this an error on My credit rating....please help???1Cookie2012-09-24 22:52:05
This is what happened : I ordered Verizon Online in September , then I do not like what they cancled the account with them, then I was told I could keep the modem , so I did , then around febuary i recived a letter from an agency collection saying he owed money to Verizon , so I contacted them and they said they owed ​​money to them b / c of the modem , so the modem and retured Verizon told me they were going to resolve this, so I trusted , and now I went to get loans and regected tells me that my credit score is very low because the collection agency had reported me to the credit bearu . So I ask what should I do to solve this problem?
Can a bank require my credit report on an unsecured loan he took out in his name?2ibob2018-12-14 00:04:33
My husband recently applied for an unsecured loan in the amount of $ 3,000 on your behalf. Last night, the loan officer called and said it was approved, and he had to come and sign the papers. My husband called the bank this morning and the manager said he needed my credit information ? I have bad credit , so they applied for the loan on your behalf. I live in Wisconsin , where he has to say on the loan, but I've never heard of them asking for my credit information. He was rejected because of my bad credit. Are they on the right to do this ?
If I was late on a few loan payments at my bank, did they put it on my credit report?4bobi2012-11-05 20:45:02
Okay, so I was out of work a few months and I found some late payments on a personal loan with my bank. I was not too bad later , never more than 2 months, and once called himself the house looking for money. If anyone out there know about these things , could you tell me if it affected my credit?
A national bank turned in a unfavorable report about my credit and I have given up on my self.?2Mymeemia2012-11-03 06:52:02
I am an alcoholic / addict with 10 years clean / sober in recovery started with very bad credit, as a result of 30 years accepted my addiction consequences and began to rebuild my credit and my mental, spiritual and physical, not failures, but own.After my years of work and tons of money managed to rebuild my credit score again in mid-700. I take the time to sponsor several teenagers to twenty something recovering heroin addicts of many well to do families, who try to lead by example, and over 80% of these young people have a recovery of several years and some even all graduated college and have become productive members of society.Two years ago I had a heart attack not planned, I, and as a direct result of the use of not making a deposit at the time of a periodic payment and charged me $ 37.00 for which I have no problem paying, about two weeks after finally home from the hospital received a call from a woman who wanted the nasty $ 37 and when I explained my situation very badly and has said added a $ 7.00 per day fee to live in the country and eventually went to the bank for which I did not have enough to cover the hundreds of dollars for what I said I was going to borrow the money and return as soon as possible next dat my ATT account was terminated then my auto insurance company notified me of a 30% increase when cited called my credit score dropped, since I lost my apartment can not pay security deposits for utilities and loans cars are out of the question in the last two years, my health has deteriorated in hospitals have been psychological and yet still I have faith in my higher power to the many children who have faith sponsor through diversity and yet I'm exhausted, I have accepted the fact of death, but now I can not pay a prepaid funeral the three major credit reporting agencies and hometown denominated bank have done more harm than any drink drug shooting and stabbing they are legally allowed something not right here.
File Bankruptcy.. what gets effected?0Gholamreza maghzian 2012-10-09 10:56:21
My mom filed for bankruptcy in April. I have a car where she is the principal signatory and I 'm just the co -signer . I always make my payments on a sister branch credit union owns the loan . But since then , I have to call the credit union to get unrestricted so I can make a payment . Now they are saying they can no longer make payments on the branch sister and I have to mail my payments directly to them . I also wanted to get a loan modification for that time , but then they told me that I could not because of something " the author made ​​the loan . " Car loan was not included in the bankruptcy so you should not have an effect in it or not ? Is there something I'm missing ? MedlinePlus MedlinePlus Also - I lost my payment last month ( I plan on making a double payment this month ) , but they have not even called me on it and they are usually very quick to do that ... just a strange thing to point out .
Will my credit score go back up once student loan error is fixed?1DHAWAL2012-10-07 20:40:04
I was told to apply for a car loan last month that my credit score is only 595, which was drastically below 700 or so last summer . I learned that Direct Loans had made a clerical error that showed my monthly payment is $ 1500 and that was 30 days late ! Finally got that cleared and the revenue plan replayment basis , the monthly payment is now only $ 12 per month . They said I should update with the credit bureaus on May 20 . Once the correction is reported , will my credit scores go back to where they should have been before the error ? And how long will that take?

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