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Frequently Asked Questions

There is a search/enquiry on my credit file that I have not authorised. How do I get it removed?

Credit search history - Callcredit
You should contact the organisation that performed the search/enquiry and ask them why they have done it. It may be that the company name on the record is a subsidiary or parent company and that once you have contacted them you will remember providing them with permission to carry out the search/enquiry. If you do not know the address of the company concerned, contact us and we will be happy to supply you with the relevant details.
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What is the difference between a credit search and an enquiry?

Credit search history - Callcredit
A credit search is a search carried out for lending purposes. An enquiry is carried out for other non-credit purposes, such as employee vetting, tenant vetting and Electoral Roll checks (not related to credit applications). Credit searches and enquiries remain on our files for two years from the date of the search.
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There are duplicate searches on my credit file. How do I get them removed?

Credit search history - Callcredit
You should contact the company who performed the searches and ask them to authorise Callcredit to remove the duplicate searches. If you do not know the address of the company concerned, contact us and we will be happy to supply you with the relevant details. Alternatively you may write back to us formally disputing the duplicate searches and we will contact the company on your behalf. We cannot remove searches/enquiries unless the company involved agrees that we can do so.
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How do I file for the credit?

Frequently Asked Questions - Homestead Preservation Credit
You must complete Form HPC and mail the application form and all supporting documents to the Department of Revenue at: Missouri Department of Revenue, PO Box 478, Jefferson City, MO 65105-0478.
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What is a credit worthiness/SCHUFA enquiry?

Property Management - GAGFAH Group
In order to ensure contractual security, before concluding a rent contract credit worthiness and/or SCHUFA enquiries are made by the GAGFAH Group related to the tenant in question. This is done only if the tenant has given his agreement in writing prior to the enquiry. The information obtained includes e.g.
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How can I get errors & problems removed from my credit report file?

Bankruptcy FAQ frequently asked questions on bankruptcy
The Data Protection Act 1998 gives you the right to correct information held about you which is inaccurate. The credit reference agency usually sends details on how to correct errors with your credit report file, if not, use the links on our credit score page to access their web sites for advice about how to go about removing or amending information you believe to be incorrect on your credit report file. Any errors or problems found have to be corrected within 28 days.
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Can I have the record of an overdue account on my credit file removed?

Frequently Asked Questions - FAQs - Australia
overdue account is only ever removed early from a credit file if it has been listed in error. If you do wish to dispute an entry on your file, please contact the credit provider directly. For information on how Veda Advantage can assist you please click on What do I do if the information on my credit file is incorrect or needs to be updated? for advice.
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How long does it take for a closed account to be removed from my credit file?

Credit Report | Credit Reports | Check Credit Score Personal...
The file will be updated in 30 to 60 days, but reportable information stays on seven years from date of the last activity.
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Do I need to be authorised before I can e-file the ECI?

User Guide & FAQs
You have to be authorised by the company via the E-Services Authorisation System (EASY) before you can access the portal to e-file the ECI.
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How do I let Google know if I see a Code Search result that I think should be removed?

Google Code Search FAQ
Google Code Search is still in Google Labs, so the search results may not be perfect. If you notice a significant problem with the search results, please let us know by emailing codesearch-issues@google.com. If you're a copyright owner and believe you've found results that infringe your copyright, please follow our DMCA process to request removal.
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Can I get records removed from Case Search?

Maryland Judiciary - Case Search FAQ
Some criminal records can be "expunged," meaning removed from public inspection. Civil records cannot be expunged.
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Can I apply for credit when my file is frozen?

Frequently asked questions about security freeze
When you want additional credit, you can open your file with a PIN or a password and the business extending the credit will decide whether to issue the credit.
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Who can see my credit file?

FAQs: Improving Your Credit
The Fair Credit Reporting Act allows access to your credit file only by the following: those authorized in writing by you, creditors to whom you are applying for credit, insurers, potential employers, and those who have a "legitimate business purpose related to a business transaction involving you." In addition, government agencies can obtain identifying information about you. This is limited to your name, current and former addresses, and current and former places of employment.
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How do I get a Bankruptcy removed from my credit report?

NVB-FAQ
The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. Section 605, is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed. Other bad credit information is removed after seven years.
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What does the information shown in the Credit Search History section of my file mean?

Credit search history - Callcredit
Search Organisation - name of company that performed the search or provided the Organisational Unit with access to the data Transient Association Yes/No - indicates whether a search performed in relation to a joint credit application was transient (see question below for more info). Start/End Date of address or Time at Address - reflects the dates/timescales entered by the search organisation relating to the dates of residency at the address searched.
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Where do I go if I have an enquiry?

Royal Holloway, University of London
The first place to go is the help desk during library opening hours.. If you have a complex enquiry you may be referred to a member of the Academic Liaison team. Each member of the team is responsible for a particular subject area. Please see Who's Who in the Library for specific details.
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National Youth Theatre :: Apply > Frequently Asked Questi...
This website should contain all the information you require. You should not need to contact the office directly unless the matter is urgent.
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When will my file expire/be removed?

Upload4Ever.com : Upload Your Files Forever, Free File Hosti...
For Gold Users, files over 1 GB might get removed after 3 months of no activity [90 days]. Since we have started, we have not removed any inactive files, see our site stats for more info.
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How can I get a judgment removed from my file?

Public data held on your credit report
We can also remove a judgment if we receive confirmation from The Registry Trust Limited that it can be removed. The Courts will only allow removal of the judgment under the following circumstances: insurance company (related to the debt) is not paying a claim on time In the first instance, you should contact the county court concerned if you believe that the judgment was made in error and should be 'set aside'.
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What is a credit search?

Loans - frequently asked questions
A search that assesses your credit history carried out on your name and address. The search is done by a Credit Reference Agency.Our search will be noted against your name to make other lenders aware we have requested information on you.
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FAQs - frequently asked questions
Also known as a credit score lenders use Credit Reference Agencies, organisations, licensed under the Consumer Credit Act 1974, which hold information about individuals in order to assist in making decisions about granting consumer credit. Credit scoring uses statistical techniques to measure the likelihood that an application for credit will be a good risk.
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Will credit card payments be authorised immediately?

Frequently Asked Questions
Yes. If customers choose to pay by credit card over the telephone, they can be sure of the prompt despatch of their products.
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Is there anything that can not be removed from a credit report?

Debt Consolidation FAQs
No, we may challenge any items that you feel should be challenged and the credit bureau must verify these items. The only exception to this is that they do not have to verify inquiries, but if you feel that an inquiry should not be on your reports then the company that supposedly asked for your credit report can be contacted and that fact may be disputed with them
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How do I get a judgment removed from my credit rating?

Small Claims
When you make your final payment on the judgment to the creditor, have the creditor sign a Notice of Satisfaction (available at the Small Claims Court). If you are not able to get the creditor to sign the Notice of Satisfaction and you wish to have the judgment removed from your credit rating, you must file a Notice of Motion ($75 filing fee) and Affidavit with the Small Claims Court for an order declaring that the judgment is satisfied.
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How do I get information removed from my credit report?

SELL YOUR HOME !  SAVE YOUR CREDIT !
Some of the information on your credit report may just be plain wrong. Accounts may not be yours; judgments against people with similar names and duplicate items are very common. Ask the credit bureau in writing to re-investigate the information. Under federal law, the credit bureau MUST re-investigate and get back to you within 30 days. If they don’t, the item in dispute has to be removed.
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What can be removed from my Credit Report?

Total Debt Solutions - FAQ
Anything inaccurate can be removed from a credit file including bankruptcy, judgments, collection accounts, liens, foreclosures, and late payments. Federal law requires that your credit report be ACCURATE, COMPLETE, and VERIFIABLE. Accurate means exact and precise. If it is not accurate, we will challenge everything in question with the ultimate goal of having erroneous negative information removed from your report.
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Removed from my credit report, How do I get the Bankruptcy?

The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven years.
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