Reply
Frequent Contributor
Posts: 264
Registered: ‎07-02-2013
0

Who can submit and what kind of information can go on your CR?

Is there a cut off as to who can submit information and what kind of information to the CRAs to go on your credit report? Can a regular consumer report information to be included in their own or someone else's CR?

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Who can submit and what kind of information can go on your CR?

Anyone can report to the CRAs if it is negative information.  Some things, like utilities, cable, cellphones etc, aren't reported unless negative.

 

Not sure what you are asking in the second part but, no, your information is not on someone elses unless it is a spouse and there are laws that apply to the hows and whens of that.

 

Sometimes mistakes are made and others information could end up on yours and vice versa.

 

 

Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Who can submit and what kind of information can go on your CR?

+1. As long as a company has an agreement with a CRA they can report. Not all companies report to all three CRAs but many do.

You can update a "consumer statement" to your report but that's the extent of what you can add.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.