Saturday, November 19, 2005

Student Questions

A film student at Niagara College writing a paper on the process of creating a successful short film asked me if I would take part in his project. Here are some of my answers to his questions:

What brought you into the film industry?

When I was 9 years old and living in Paris, France, my parents brought me to a screening of 'Lawrence of Arabia' and I realized for the first time that films were made by someone and that I could be that someone.

What positions have you filled in the film industry?

I got my first video camera at age 12, but my first experience with professional filmmaking arose at 13 when I found myself enthralled with the process of editing three-quarter inch video tape on a straight cut editor at the Center For Art Tapes in Halifax. From there, I learned how to use an AVID and spent a few years immersed in non-linear editing. At the same time, I moving from video into film. I shot my first few films on 16mm cameras that I borrowed from the Atlantic Filmmaker's Cooperative in Halifax. I quickly set my sights on directing, but I felt that the only way to become a successful director was to gain a deep understanding of the other disciplines involved with the medium of film. In that vein, I took on the roles of Grip, Electric, Producer, Writer, Cinematographer, etc on many projects from the age of 17 to around the time I left for Africa to make an hour long documentary on HIV/AIDS at age 21. The only position I haven't held is that of Art Director/Production Designer, but the more that I direct my own work, the more I realize that Design and Acting make up the real meat of what's being captured with all the multitudes of equipment and crew running around the set.

What inspires or motivates you?

Research and writing are the two things that inspire me to tell stories. The more I delve into the craft of writing screenplays, the more I feel like there is room for the form to develop (although I don't feel like I'll necessarily be able to move it forward). I get inspired by thinking that people want to see things that affect them and make them think. I just completed the first draft of my second feature length screenplay and I feel like I've made some progress with my writing in the last four or five years. That helps propel me forward. As far as thematic elements or types of stories that inspire me, I seem to have a thing for people experiencing mental breaks and/or dealing with traumatic experiences, because those ideas come up in my work repeatedly. On the research side, I spent 8 months in Africa with AIDS patients, a year volunteering at a mental health center, and now I'm trying to work my way into federal prisons to hang out with inmates. I call this research, but maybe I'm secretly just trying to fulfill my theme by giving myself traumatic experiences to increase the chances of having a mental break.

What helps you bring your ideas to the screen?

Taking a long view and lying to myself. When I get a green-light on a project I typically tell myself that it's gonna be quick and easy, not take all of my energies for years at a time, and that we have enough money to make the film... But that's never true. I think that I may be an overly ambitious filmmaker, constantly trying to make films that are much more difficult and complex than the budgets that I manage to raise. So I really have to just jump off the cliff and hope that everything is gonna work out. I guess I take big, somewhat calculated risks. As far as the long view goes, I just keep telling myself that I'm moving towards the goal and that the more time and effort I put into the project, the more pleased I'll be with the final product. I've spent the last 6 months editing an 8 minute film, and when I really think about that I find it a little frightening.

What makes for a successful production to you?

If at the end of the process I have a film that I'm not embarrassed to show to audiences. I also like it when I'm still friends with the people I made the film with.

What do you feel makes a film truly successful?

If the story resonates with it’s audience, I feel like I've done my job. If a film brings about interesting discussion or pushes people’s buttons in interesting ways that makes me happy. I also thinks it's really important for a film to feel like it’s based in a tacit reality--a reality that the filmmakers invented from scratch or created by capturing the world in a certain way.

How do you describe success when speaking about yourself?

I talk about the fact that somehow I've managed to make a film a year since the age of 17 and sold every one of them to broadcast. I try to be humble and realize that whatever I've accomplished is pretty impermanent and that my films might well not be around in over a hundred years, but that if I had something to say, hopefully it got passed on.

2 Comments:

At March 03, 2006 11:54 AM, Anonymous Anonymous said...

Hi! I did a search on “Paid Surveys” and your site came up. I’m trying to find something I can do part-time at home. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Paid Surveys Paid Surveys Paid Surveys
Online Surveys Online Surveys Online Surveys
MySpace Surveys MySpace Surveys MySpace Surveys
Paid Surveys Online Paid Surveys Online Paid Surveys Online
Paid Online Surveys Paid Online Surveys Paid Online Surveys
Surveys for Cash Surveys for Cash Surveys for Cash
Get Paid for Surveys Get Paid for Surveys Get Paid for Surveys
Paid Surveys http://moneyemployment.worldwidereviews.com/PaidSurveys.htm Paid Surveys

Hi! I did a search on “Real Estate Investing” and your site came up. I’m trying to find something I can do part-time at home. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Real Estate Real Estate Real Estate
Real Estate Investing Real Estate Investing Real Estate Investing
Real Estate Auctions Real Estate Auctions Real Estate Auctions
Foreclosure Foreclosure Foreclosure
Foreclosures Foreclosures Foreclosures
Bank Foreclosures Bank Foreclosures Bank Foreclosures
Foreclosure Listings Foreclosure Listings Foreclosure Listings
Real Estate Foreclosures Real Estate Foreclosures Real Estate Foreclosures
Seized Property Seized Property Seized Property
Government Seized Property Government Seized Property Government Seized Property
Real Estate http://moneyemployment.worldwidereviews.com/RealEstate.htm Real Estate

Hi! I did a search on “Real Estate Investing” and your site came up. I’m trying to find something I can do part-time at home. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Real Estate Real Estate Real Estate
Real Estate Investing Real Estate Investing Real Estate Investing
Real Estate Auctions Real Estate Auctions Real Estate Auctions
Foreclosure Foreclosure Foreclosure
Foreclosures Foreclosures Foreclosures
Bank Foreclosures Bank Foreclosures Bank Foreclosures
Foreclosure Listings Foreclosure Listings Foreclosure Listings
Real Estate Foreclosures Real Estate Foreclosures Real Estate Foreclosures
Seized Property Seized Property Seized Property
Government Seized Property Government Seized Property Government Seized Property
Real Estate http://moneyemployment.worldwidereviews.com/SeizedRealEstate-GovBankProperties.htm Real Estate

Hi! I did a search on “Satellite TV” and your site came up. I’m trying to find someway to watch football on a giant screen at my house. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Satellite TV Satellite TV Satellite TV Systems
Satellite TV Systems Satellite TV Systems
Satellite Dish Satellite Dish Satellite Dish
Dish Network Dish Network Dish Network
Dish Network System Dish Network System Dish Network System
Directv Directv Directv
Directv System Directv System Directv System
Satellite TV http://entertainment.worldwidereviews.com/satellite_tv.htm Satellite TV



Hi! I did a search on “Payday Loans” and your site came up. I’m trying to find someway to get some quick extra money. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Payday Loans Payday Loans Payday Loans
Payday Loan Payday Loan Payday Loan
Payday Advance Payday Advance Payday Advance
Payday Cash Advance Payday Cash Advance Payday Cash Advance
Cash Advance Cash Advance Cash Advance
Online Cash Advance Online Cash Advance Online Cash Advance
Payday Loans http://moneyemployment.worldwidereviews.com/PayDayLoans.htm Payday Loans



Hi! I did a search on “Home Refinance Loans” and your site came up. I’m trying to find someway to get some quick extra money. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Refinance Refinance Refinance
Refinance Mortgage Refinance Mortgage Refinance Mortgage
Refinance Home Mortgage Refinance Home Mortgage Refinance Home Mortgage
Mortgage Refinancing Mortgage Refinancing Mortgage Refinancing
Home Mortgage Refinancing Home Mortgage Refinancing Home Mortgage Refinancing
Mortgage Refinance Mortgage Refinance Mortgage Refinance
Refinance Home Loan Refinance Home Loan
Refinance http://moneyemployment.worldwidereviews.com/HomeRefinance.htm Refinance



Hi! I did a search on “Debt Consolidation Loans” and your site came up. I’m trying to find someway to get some quick extra money. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Debt Consolidation Loans Debt Consolidation Loans Debt Consolidation Loans
Debt Consolidation Loan Debt Consolidation Loan Debt Consolidation Loan
Debt Consolidation Debt Consolidation Debt Consolidation
Consolidation Loans Consolidation Loans Consolidation Loans
Consolidation Loan Consolidation Loan Consolidation Loan
Debt Consolidation Loans http://moneyemployment.worldwidereviews.com/DebtConsolidationRefinance.htm Debt Consolidation Loans


Hi! I did a search on “Download Movies” and your site came up. I’m trying to download free movies from my home. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Download Movies Download Movies
Download Videos Download Movies
Movies Downloads Movies Downloads
Movie Downloads Movies Downloads
Free Movie Downloads Free Movie Downloads Free Movie Downloads
Download DVDs Download DVDs Download DVDs
DVDs Downloads DVDs Downloads DVDs Downloads
DVD Downloads DVD Downloads DVD Downloads
Free DVD Downloads Free DVD Downloads Free DVD Downloads
Download Movies http://entertainment.worldwidereviews.com/movies.htm Download Movies



Hi! I did a search on “Download Music” and your site came up. I’m trying to download free music from my home. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Download Music Download Music Download Music
Music Downloads Music Downloads Music Downloads
Download MP3s Download MP3s Download MP3s
Download MP3Download MP3 Download MP3
MP3 Downloads MP3 Downloads MP3 Downloads
Download Music Videos Download Music Videos Download Music Videos
Download Music http://entertainment.worldwidereviews.com/music.htm Download Music


Hi! I did a search on “Data Entry Jobs” and your site came up. I’m trying to find something I can do part-time at home. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Data Entry Data Entry Data Entry
Data Entry Jobs Data Entry Jobs Data Entry Jobs
Data Entry Jobs http://data-entry-jobs.blogspot.com/ Data Entry Jobs


Hi! I did a search on “Paid Surveys” and your site came up. I’m trying to find something I can do part-time at home. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Paid Surveys Paid Surveys Paid Surveys
Online Surveys Online Surveys Online Surveys
MySpace Surveys MySpace Surveys MySpace Surveys
Paid Surveys Online Paid Surveys Online Paid Surveys Online
Paid Online Surveys Paid Online Surveys Paid Online Surveys
Surveys for Cash Surveys for Cash Surveys for Cash
Get Paid for Surveys Get Paid for Surveys Get Paid for Surveys
Paid Surveys http://paidsurveyswatch.blogspot.com Paid Surveys


Hi! I did a search on “Real Estate Investing” and your site came up. I’m trying to find something I can do part-time at home. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Real Estate Real Estate Real Estate
Real Estate Investing Real Estate Investing Real Estate Investing
Real Estate Auctions Real Estate Auctions Real Estate Auctions
Foreclosure Foreclosure Foreclosure
Foreclosures Foreclosures Foreclosures
Bank Foreclosures Bank Foreclosures Bank Foreclosures
Foreclosure Listings Foreclosure Listings Foreclosure Listings
Real Estate Foreclosures Real Estate Foreclosures Real Estate Foreclosures
Seized Property Seized Property Seized Property
Government Seized Property Government Seized Property Government Seized Property
Real Estate http://realestateauctionswatch.blogspot.com Real Estate


Hi! I did a search on “Satellite TV” and your site came up. I’m trying to find someway to watch football on a giant screen at my house. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Satellite TV Satellite TV Satellite TV
Satellite TV Systems Satellite TV Systems Satellite TV Systems
Satellite Dish Satellite Dish Satellite Dish
Dish Network Dish Network Dish Network
Dish Network System Dish Network System Dish Network System
Directv Directv Directv
Directv System Directv System Directv System
Satellite TV http://satellitetvsystemswatch.blogspot.com Satellite TV


Hi! I did a search on “Payday Loans” and your site came up. I’m trying to find someway to get some quick extra money. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Payday Loans Payday Loans Payday Loans
Payday Loan Payday Loan Payday Loan
Payday Advance Payday Advance Payday Advance
Payday Cash Advance Payday Cash Advance Payday Cash Advance
Cash Advance Cash Advance Cash Advance
Online Cash Advance Online Cash Advance Online Cash Advance
Payday Loans http://paydayloanswatch.blogspot.com Payday Loans


Hi! I did a search on “Home Refinance Loans” and your site came up. I’m trying to find someway to get some quick extra money. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Refinance Refinance Refinance
Refinance Mortgage Refinance Mortgage Refinance Mortgage
Refinance Home Mortgage Refinance Home Mortgage Refinance Home Mortgage
Mortgage Refinancing Mortgage Refinancing Mortgage Refinancing
Home Mortgage Refinancing Home Mortgage Refinancing Home Mortgage Refinancing
Mortgage Refinance Mortgage Refinance Mortgage Refinance
Refinance Home Loan Refinance Home Loan Refinance Home Loan
Refinance http://mortgagerefinanceloanswatch.blogspot.com Refinance


Hi! I did a search on “Debt Consolidation Loans” and your site came up. I’m trying to find someway to get some quick extra money. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Debt Consolidation Loans Debt Consolidation Loans Debt Consolidation Loans
Debt Consolidation Loan Debt Consolidation Loan Debt Consolidation Loan
Debt Consolidation Debt Consolidation Debt Consolidation
Consolidation Loans Consolidation Loans Consolidation Loans
Consolidation Loan Consolidation Loan Consolidation Loan
Debt Consolidation Loans http://debtconsolidationloanswatch.blogspot.com Debt Consolidation Loans


Hi! I did a search on “Refinance” and your site came up. I’m trying to find someway to get some quick extra money. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Refinance Refinance Refinance
Refinance http://refinance.refinance-refinance.net/refinance.htm Refinance


Hi! I did a search on “Mortgage Refinance” and your site came up. I’m trying to find someway to get some quick extra money. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Mortgage Refinance Mortgage Refinance Mortgage Refinance
Mortgage Refinance http://mortgage-refinance.refinance-refinance.net/mortgage-refinance.htm Mortgage Refinance


Hi! I did a search on “Mortgage Refinancing” and your site came up. I’m trying to find someway to get some quick extra money. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Mortgage Refinancing Mortgage Refinancing Mortgage Refinancing
Mortgage Refinancing http://mortgage-refinancing.refinance-refinance.net/mortgage-refinancing.htm Mortgage Refinancing


Hi! I did a search on “Refinance Mortgage” and your site came up. I’m trying to find someway to get some quick extra money. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Refinance Mortgage Refinance Mortgage Refinance Mortgage
Refinance Mortgage http://refinance-mortgage.refinance-refinance.net/refinance-mortgage.htm Refinance Mortgage


If you're tired of fraudulent spyware companies swiping your money, or if you want to know which to avoid, take a look at this site. Let’s get rid of fraudulant spyware schemes.
Spyware Removal Spyware Removal Spyware Removal
Spyware Removal http://spyware-remover-free.blogspot.com Spyware Removal
Spyware Remover Spyware Remover Spyware Remover
Spyware Remover http://spyware-remover-free.blogspot.com Spyware Remover


Hi! I did a search on “Download Music” and your site came up. I’m trying to download free music from my home. Unfortunately, it’s not really what I’m looking for. But it is a pretty cool site nonetheless. Nice Job!
Music Downloads Music Downloads Music Downloads
Music Downloads http://music-downloads-free-today.blogspot.com Music Downloads
Download Music Download Music Download Music
Download Music http://download-music-free-today.blogspot.com Download Music
Free Music Downloads Free Music Downloads Free Music Downloads
Free Music Downloads http://free-music-downloads-today.blogspot.com Free Music Downloads

 
At November 07, 2006 11:42 PM, Blogger http://www.debt-consolidation.com said...

Correcting Errors to your Credit Report

Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under the law, contact both the CRA and the information provider.

First, tell the CRA in writing what information you believe is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the sample below. Send your letter by certified mail, return receipt requested, so you can document what the CRA received. Keep copies of your dispute letter and enclosures.

Sample Dispute Letter

Date

Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Credit Reporting Agency
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I
dispute are also encircled on the attached copy of the report I received.
(Identify item(s) disputed by name of source, such as creditors or tax
court, and identify type of item, such as credit account, judgment, etc.)

This item is (inaccurate or incomplete) because (describe what is
inaccurate or incomplete and why). I am requesting that the item be
deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any
enclosed documentation, such as payment records, court documents)
supporting my position. Please reinvestigate this (these) matter(s) and
(delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing)

CRAs must reinvestigate the items in question—usually within 30 days—unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file.

Disputed information that cannot be verified must be deleted from your file. If your report contains erroneous information, the CRA must correct it. If an item is incomplete, the CRA must complete it. For example, if your file showed that you were late making payments, but failed to show that you were no longer delinquent, the CRA must show that you’re current.
If your file shows an account that belongs only to another person, the CRA must delete it.
When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the CRA gives you a written notice that includes the name, address, and phone number of the provider.

Also, if you request, the CRA must send notices of corrections to anyone who received your report in the past six months. Job applicants can have a corrected copy of their report sent to anyone who received a copy during the past two years for employment purposes. If a reinvestigation does not resolve your dispute, ask the CRA to include your statement of the dispute in your file and in future reports.

Second, in addition to writing to the CRA, tell the creditor or other information provider in writing that you dispute an item. Again, include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider then reports the item to any CRA, it must include a notice of your dispute. In addition, if you are correct—that is, if the disputed information is not accurate—the information provider may not use it again.

How to Dispute Credit Report Errors

Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (CRAs) or credit bureaus compile and sell your credit report to businesses. Because businesses use this information to evaluate your applications for credit, insurance, employment, and other purposes allowed by the Fair Credit Reporting Act (FCRA), it's important that the information in your report is complete and accurate.

Some financial advisors suggest that you periodically review your credit report for inaccuracies or omissions. This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of information in your credit file could speed the credit-granting process.

Getting Your Credit Report
If you've been denied credit, insurance, or employment because of information supplied by a CRA, the FCRA says the company you applied to must give you the CRA's name, address, and telephone number. If you contact the agency for a copy of your report within 60 days of receiving a denial notice, the report is free. In addition, you're entitled to one free copy of your report a year if you certify in writing that (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a CRA may charge you up to $9.00 for a copy of your report.

If you simply want a copy of your report, call the CRAs listed in the Yellow Pages under "credit" or "credit rating and reporting." Call each credit bureau listed since more than one agency may have a file on you, some with different information. The three major national credit bureaus are:

Equifax, P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111.
Experian (formerly TRW), P.O. Box 2002, Allen, TX 75013; (888) EXPERIAN (397-3742).
Trans Union, P.O. Box 1000, Chester, PA 19022; (800) 916-8800.
Correcting Errors
Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under the law, contact both the CRA and the information provider.

First, tell the CRA in writing what information you believe is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the sample below. Send your letter by certified mail, return receipt requested, so you can document what the CRA received. Keep copies of your dispute letter and enclosures.

CRAs must reinvestigate the items in question--usually within 30 days--unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file. l Disputed information that cannot be verified must be deleted from your file.

If your report contains erroneous information, the CRA must correct it.
If an item is incomplete, the CRA must complete it. For example, if your file showed that you were late making payments, but failed to show that you were no longer delinquent, the CRA must show that you're current.
If your file shows an account that belongs only to another person, the CRA must delete it.
When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the CRA gives you a written notice that includes the name, address, and phone number of the provider.

Also, if you request, the CRA must send notices of corrections to anyone who received your report in the past six months. Job applicants can have a corrected copy of their report sent to anyone who received a copy during the past two years for employment purposes. If a reinvestigation does not resolve your dispute, ask the CRA to include your statement of the dispute in your file and in future reports.

Second, in addition to writing to the CRA, tell the creditor or other information provider in writing that you dispute an item. Again, include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider then reports the item to any CRA, it must include a notice of your dispute. In addition, if you are correct-that is, if the disputed information is not accurate-the information provider may not use it again. Accurate Negative Information When negative information in your report is accurate, only the passage of time can assure its removal. Accurate negative information can generally stay on your report for 7 years. There are certain exceptions:

Information about criminal convictions may be reported without any time limitation.
Bankruptcy information may be reported for 10 years.
Credit information reported in response to an application for a job with a salary of more than $75,000 has no time limit.
Credit information reported because of an application for more than $150,000 worth of credit or life insurance has no time limit.
Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Criminal convictions can be reported without any time limit.
Adding Accounts to Your File
Your credit file may not reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information to CRAs: Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those creditors that don't. If you've been told you were denied credit because of an "insufficient credit file" or "no credit file" and you have accounts with creditors that don't appear in your credit file, ask the CRA to add this information to future reports. Although they are not required to do so, many CRAs will add verifiable accounts for a fee. You should, however, understand that if these creditors do not report to the CRA on a regular basis, these added items will not be updated in your file.

 

Post a Comment

<< Home