Archive for March, 2009

How do we report an unpaid civil judgement to the credit bureau?

credit report
ahisch asked:


We were awarded a civil judgement signed by a judge and filed with our local courts in Jackson County MO for $100,000. The defendant never paid this amount and we would like for this to show up on his credit report. I have been told unpaid civil judgements can be included in the personal section of a credit report but I am unable to find out how to get the credit bureaus to acknowledge this judgement and show it on his credit report. Can anyone tell me how to get this debt on his credit report?

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Monday, March 2nd, 2009 Credit 1 Comment

How do I dispute negative items on my credit report?

credit report
Big “O” asked:


I have one negative item on my credit report. How do I dispute this item? I have heard that if you dispute an item and that particular company does not acknowledge it can be removed from the report all together. Is this true, and how do I go about doing this? The negative item is from Mac Tools Distribution, if that will help. There is an address on my report although there is no phone number. Do i need to call them, or a different source?

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Monday, March 2nd, 2009 Credit 7 Comments

How do I get a credit report with out a credit card or checking account?

credit report
Bear E asked:


I spent some time in jail and my credit card expired. Currently I have no checking account or active credit card. How do I get a credit report? All the sites I have seen require a valid active credit card.

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Monday, March 2nd, 2009 Credit 4 Comments