since the account is so new, it may take up to 3 months for it to show up on your report. Household Bank is HSBC, and they, like many other banks, report monthly to the three credit reporting agencies. Give it some time and look again, it will show up unless they have your information wrong, such as your social or name. If you don’t see it by the next billing cycle, I would call them and ask.

Marla, you obviously don’t know what you are talking about. If that were the case, then why do we emphasize so much on getting a good credit history? So, basically an 18 year old will have perfect credit because theres no deragatory information reported about them? I think you’ve lost it…Positive credit history plays a major role, and accounts are reported Monthly, and all types of activity is reported such as payments, balance, etc.

It might not affect your score much at all. You need to find out two things: 1) what does “deleted” mean?, and 2) what credit agencies are they reporting to?

“Deleted” might just mean reporting the debts have been paid in full. That’s a good thing, and it’ll help your score since those debts won’t appear as “past due” anymore. The bad part is your report might still show the payments were late. I’d be surprised if the delinquencies were removed.

Also, they probably aren’t reporting to all credit agencies. They might clear it up on one, but the debt will show up on others. Keep in mind credit agencies share data, so your information may have been passed to regional credit reporting agencies the collector doesn’t deal with directly.

I once had erroneous information show up on my report, and it took several letters, phone calls, and a few months to correct.

Stay on top of your credit report. Get a copy from all three major bureaus in a month or so and verify the bill collector did what they promised. Bill collectors are notoriously lazy, and it may take months for them to send an update – if they even do it at all. Contact the credit reporting agencies directly to move things along.

In the meantime, continue to pay your bills on time, don’t take on new debt, and reduce your existing debt. Raising your score will take quite some time. I’m not sure 3 months will be long enough to make much of a difference, but you’ll be in a much better place this time next year.

With a credit score that low, you have a lot of work to do, pay all your back bills and start paying all of your bills on time, some of those things take 7 years to get off of your credit report.

hi,

if you are looking for the best credit report site, check out this site

Here you can get your Free Credit Score and Report

hope this help,

Your credit history stays with you, and either improves or erodes over time depending on how you handle your credit issues.

if you want to get your credit report for free, check out this site

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score.

Hope this help,

The best website for FREE credit reports is: . This is a site sponsored by the government and you will not have to sign up for any credit services to receive your reports (3 per year). There is no FREE site for credit score without signing up for some monthly service. On the site I recommend you can get you score for less than $10 dollars. It is worth it so you don’t get stuck paying for a credit monitoring service you don’t want.

The problem is that not all creditors report to all three bureaus and not all lenders use the same report. Some information will show up on some reports and not others. Get all three FICO scores and credit reports — but make sure you don’t go to the individual credit bureaus to get your scores. They each use something called a credit score, but they use different formulas to achieve a number. What you need is a FICO score — which you can only get from the Fair Isaac Corporation, a company based in California. FICO, put simply, is a persons credit score.

The FICO score scale ranges from 300 to 850, with the majority of people in the United States in the 600 – 850 range. You can only get your FICO score from. It will cost $15 per credit bureau or $45 for all three scores.

You can get all three for free. This is from the Federal Trade Commission website:

AnnualCreditReport.com is the ONLY authorized source to get your free annual credit report under federal law. The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies — Experian, Equifax, and TransUnion — every twelve months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services. Don’t be fooled by TV ads, email offers, or online search results. Go to the authorized source when you request your free report.

You really have to check all 3 as most banks work with all of them. Also from my research it appears all 3 agencies have developed a united system called “VantageScore as read here (amongst other places):

The bottom line is, you will find that the same discrepencies will most likely appear on all 3 reports so it’s best to get a 3 in one report (site above possibly?) and look at them all.

Hope this helps you out..