| What does Credit Bureau of Oconee County (CBOC) do? Does CBOC provide a collection service and/or report to the 3 major Credit Bureaus? Does CBOC provide a credit repair service? How do I get my owner-financed payments reported to the credit bureaus? How do I receive my free credit report? What if there is something on my credit report that is not correct? How long does my credit history stay on my credit report? What if my Identity has been compromised/stolen? What should I do? I'm a Real Estate Agent/Landlord, how do I get a free credit report on my potential tenant? Video Education Series about the Credit Report What does Credit Bureau of Oconee County (CBOC) do?What does Credit Bureau of Oconee County (CBOC) do? CBOC provides risk management products to small businesses, real estate agents, property managers, and individual landlords. These products include credit reports, nationwide criminal background checks, eviction search, sex offender search, employment screening, etc. CBOC also provides a monthly newsletter/bulletin that lists all the mortgage transactions, federal tax liens, and judgments that have occurred in Oconee County, SC. |
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| Does CBOC provide a collection service and/or report to the 3 major Credit Bureaus? At this time we do not provide this service. Does CBOC provide a credit repair service? At this time we do not provide this service. |
| How do I get my owner-financed payments reported to the credit bureaus? Your lender is typically the one who reports this information. Seeing how the owner of the house is normally not a bank or a business, he/she typically would not be eligible to report to the credit bureaus. So, your payment history will mostly likely not be shown on your credit report. The best advice I can give to an individual that has an owner-financed home or has a mortgage with a business that does not report to any credit bureau is to obtain a payment history report or a letter from the owner showing your good payment history. This letter/report may be used in conjunction with a credit report if you are desiring to borrow from a bank. More information on the topic: https://www.experian.com/blogs/ask-experian/can-i-add-good-payment-history-credit-report/ |
| How do I receive my free credit report? By going to www.annualcreditreport.com and simply filling out the on screen prompts or by calling 877-322-8228. |
| What if there is something on my credit report that is not correct? When you obtain your credit report through www.annualcreditreport.com you can dispute items that are incorrect. Make sure your credit report contains only items about you. Look for information that is inaccurate or incomplete, such as accounts that do not belong to you, addresses of places where you did not live, names of employers you did not work for, or information that should no longer be on your credit report, such as a bankruptcy that is more than ten years old. If you find errors, you should contact the credit reporting agency from whom you obtained the report, and the creditor or whoever provided the information (called the “furnisher” of the information). The copy of your credit report will include information about how to dispute inaccurate or incomplete information. For More Information you may go to this link: http://www.consumerfinance.gov/askcfpb/314/how-do-i-dispute-an-error-on-my-credit-report.html |
How long does my credit history stay on my credit report? Certain types of payment history and account status information stay on your credit report for several years after the date of last activity, including: Credit accounts: * Paid as agreed - 10 years * Not paid as agreed - 7 yearsCollections accounts: 7 years Public Record information: 7 years w/ the following exceptions Public Record information: 7 years w/ the following exceptions * Chapter 7 Bankruptcy: 10 years from file date * Chapter 13 Bankruptcy (if not discharged): 10 years from file date * Tax Liens: - Paid - up to 7 years from release date Payment history is not removed from a credit report after an account is paid in full.- Unpaid - no time limit |
What if my Identity has been compromised/stolen? What should I do? The Federal Trade Commission has created a website called IdentityTheft.gov and it will guide you step by step on what you should do. I'm a Real Estate Agent/Landlord, how do I get a "No Cost" credit report on my potential tenant? Please Click here: No Cost Tenant Screening For those of you that want to be enlightened and learn more about the credit report, The National Consumer Reporting Association (NCRA) has put together a Video Education Series about the Credit Report. This 7 part video series shares information corresponding to the questions below: 1. What is a credit report and where does it come from? 2. What types of Information are on my Credit Report and how did they get there? 3. What if my Credit Report is Inaccurate? 4. Who has access to my credit report? Are there laws to protect it? 5. What are credit scores, Why are they important, how do they get calculated? 6. How can I improve my credit score? 7. How do I protect myself against ID Theft and are there laws to protect me? |
