I have three rescue horses and have been paying almost $1,000 per month in board for over four years. Is there a way that the owner of the equestrian facility can report this excellent credit history? Is there a fee? If you don't know the answer to this question, do you know who would?
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3 years ago bureaus set a minimum reported to them at 500 per monthPlus the company has to sign up.
so your answer would be no.
i have spent countless hours trying to find a way to report stuff without being a signed up company. Yesterday in fact i spent 2 hours.
I think I will write each bureau a letter and hope I get an answer.
if i do I will let you know
the other part of this is
boarding is like a utility no a loan
car loan
credit card loan
you can stop at any time
utilities only report bad not good credit.
looks like even if one could report
it would not work for this type araingment
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I ran across a landlord protection Agency site (theLPA.com) and it looks like they report bad tenants for their members but not good credit. It just doesn't seem fair that the CRA's will allow you to report bad credit but not good credit if you don't have enough records. I put this question to TransUnion but I'm sure they will say the same thing. I appreciate you responding to my question so quickly. I'm about to embark on a "raise my credit score" journey...
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get a bp oil credit card
send them 300 to open it up with the app you get at the gas station
charge your gas and pay and extra 10 - whatver extra each month
i did this and bp oil had me charged off for 345 bucks. i paid them 345 and 300 a week or two later to open it back up.
after two years i asked them to only report the last two and they did.
bamm my credit went HUGE.
in one year your score will jump and your high credit limit will be higher than 300 for that account.
after a year go on a trip and charge the money back down to zero but send money each month no matter what
in two years your credit will be even better.
get at least 2 more of these and try to get your high credit up.
if you pay good for 2 years and nothing bad shows up those two years and you will be 700+
with a strong file. 3+ lines of credit 2 years of paying on time and nothing bad the past two.
looks good to me and i sold cars for 12 years
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Wow! Thanks for the advice. My problem is mostly little petty things. A Capital One charge, a Cingular charge, and an old vet bill. I can clear them all up for about 1200 dollars but NCO has the old Cingular charge and they will not mark it as paid...only settled. I'm confused about the collectors re-dating the account which could make my score drop dramatically?
My score was 650 and before I educated myself I paid off a loan and my score dropped to 590!!! Then NCO got the Cingular account and they keep updating the account (reporting it every single month) which is keeping my score down. They sent me an offer of 50% in the mail but they said they can't mark it as paid...only settled. I'm not sure how to negotiate this problem.
As soon as I clear up these accounts, I'm going to go for the BP card. Great idea! My daughter works there but I never get gas there because it's too high. Oh well...
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they can not report it as paid because they probably do not own the account legally
pay cingular only if you pay.
make nco validate the debt or report them to the FTC
that will make them go away i bet. read this and this
Monday, December 10, 2007
I have good credit history on rent. Can I have that reported to a bureau?
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