Tagged Questions

A credit report gives out the credit history, credit score. Often used interchangably with Credit Score. This tag is to be used for questions related to credit report. Related tags are credit-history, credit-rating and credit-score.

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3
votes
1answer
43 views

What constitutes “Account Activity” in a debt collection timeline?

Let's say a person has a debt that charged off several years ago. They receive a time boxed, partial amount payoff offer from a Credit Agency that purchased the debt from the original lender. Do they ...
0
votes
0answers
40 views

How to stop old item on my credit report from “refreshing”?

I found out here that bad items on your credit report are supposed to drop off after seven years. I have an unpaid credit card from 5 or 6 years ago that should drop off soon but apparently it was ...
2
votes
1answer
66 views

Mortgage rate shopping - 14 day period

I'm currently in the 14 day period since my credit (all 3) were pulled for a Mortgage Application. A second lender pulled my credit today (still in the 14day period) and surprisingly, the new inquiry ...
2
votes
1answer
192 views

Does not having the full (good) payment history on report negatively affect me?

I've had my credit card since 2006. My credit-report reports the following: Status: Open/Never late. Date Opened: 06/2006 Reported Since: 06/2011 Date of Status: 09/2014 Last Reported: 09/2014 ...
0
votes
0answers
90 views

Credit report - Not able to establish identity

I have tried following things with no success: Request credit report online at www.annualcreditreport.com (3 times with 2 months gap) Request credit report via mail ( 2 times with 6 months gap) ...
4
votes
1answer
1k views

Can a company run a credit check on me without my permission?

I understand that sometimes when dealing with companies over the phone or over the counter, they need to run a credit check. I would have thought that as a courtesy they would at least tell you this ...
1
vote
2answers
90 views

Question on Free Credit Report

I requested a free yearly credit report from AnnualCreditReport.com via the mail-in form. The form is mailed into the organization, and the organization submits the request to Equifax, Experian and ...
6
votes
5answers
346 views

Why is a US credit score based on credit utilization?

As a European citizen I am somewhat puzzled by how American credit scores work. The US is one of the few, possibly the only country where such a strong focus is put on the utilization history of ...
3
votes
2answers
127 views

Old Cancelled Cards

I was living abroad during the credit crisis, and a few of my credit cards were cancelled for non-use during the crunch to tighten credit. As a result, I have one older account and several newer ...
0
votes
1answer
112 views

How can I correct a mistake on my Credit Score?

I recently just looked at my credit score to try to figure out why I may have been rejected for a credit card. While it is not bad (between 700-725) it is not awesome either. When going through an ...
2
votes
3answers
518 views

Do lenders usually do multiple credit inquiries only a month apart?

I am in the process of applying for a home mortgage for the first time and something happened that I found a bit odd. Here's the sequence of events: Before talking to any lenders, I get my credit ...
1
vote
1answer
138 views

How will the New credit reporting rules affect people who are already struggling financially?

With the new credit reporting rules in place in Australia and the implications of having a black mark against your file for just being 5 days late in making a payment, whether it be credit card or ...
1
vote
2answers
109 views

How can I have credit cards without having a credit history or credit score?

Is your credit history/score like a criminal record? I mean is it always with you? Also, are there other ways to get credit cards besides with a bank? I want inside my credit score without having a ...
11
votes
4answers
375 views

Should I pay an erroneous bill in collections if it is a tiny amount?

I have a very small bill amounting to $43. I was billed this amount when a medical services company sent me a product that I did not order. (It was probably ordered on my behalf by a doctor I ...
4
votes
1answer
298 views

How do I get a debt settlement letter to agencies to erase bad credit details on the three reporting agencies?

I have just settled a debt with a collector and received a settlement letter. They told me they don’t report to creditors. How do I get this information to agencies to erase bad credit details on ...
4
votes
1answer
305 views

“International credit report” for French nationals?

I'm a French National married to a US citizen, and we're looking into buying a house in Florida. Does anybody out there knows of a anything akin to an international credit report for a French ...
8
votes
3answers
241 views

Does a balance transfer from a credit card affect our credit score?

If we do balance transfers from our credit card, pay more than the minimum payment within the due date and payoff the entire amount slowly within the specified time-frame, does it improve our credit ...
1
vote
1answer
75 views

Possibly an error on my credit report, what can I do?

I recently obtained a copy of my credit report. There's one collectable item from Comcast Cable back in 2011 worth $93 that I was supposed to owe (which I don't recall). I dialed Credit Protection ...
2
votes
1answer
324 views

How can I remove personal loans from my credit report?

I have two $16,000 personal loans. My husband and I recently reconciled after a 3 yr. separation and have found a home we want to buy. He doesn't know about the loans. I must get them off my credit ...
2
votes
1answer
545 views

How does an eviction affect a guarantor's credit score?

If I am the guarantor for someone (say a child, or a younger sibling), and that person got evicted, under what conditions (if any) does this show up on my credit score/report?
1
vote
1answer
92 views

How long will it take for my credit score to reflect my name having been taken off a mortgage?

As part of divorce settlement (January 2011) my ex was required to remove me from our Mortgage and Home Equity Loan ($600,000). For 23 years we made timely payments, so there was no BAD DEBT - just ...
7
votes
1answer
127 views

If my identity is stolen, is there another way to authenticate identity to the major credit bureaus other than my credit history?

Supposedly, one is able to monitor their credit rating with the three major credit bureaus to prevent/stop identity theft. However, the yearly report can only be viewed by answering questions about ...
1
vote
0answers
37 views

“Dispute” Credit Report by pointing out debt that they don't show? [duplicate]

I have looked all over and it seems as though whenever anyone suggests disputing inaccurate information on your credit report, they are always referring to removing or changing existing records. ...
9
votes
2answers
3k views

How do I fix my credit score when I have bad things in my credit history?

I am trying to improve my credit score and have been looking for companies to take charge of this effort. But I found them to all be shady at best so I have taken the task upon myself. I have not yet ...
4
votes
1answer
405 views

Why am I getting “Pre-approved” loans from random financial institutions in the mail?

Lately I've been getting letters in the mail saying that I've been pre-approved for a $2000 dollar loan by some random bank or financial institutions. I've never given out my address to anyone. I ...
6
votes
1answer
122 views

Why would something vanish from credit report?

I just got my Fico score (myFico.com) and was stunned when it was 67 points higher then 10 months ago (650 to 717). I noticed it was missing a medical bill I still haven't paid from 2008 for around ...
1
vote
3answers
1k views

How do collection agencies work

I wanted to understand how companies decide to send accounts of customers to collections and then, how the collection agencies settle. My understanding was that in any company, that has receivables, ...
3
votes
1answer
435 views

Who can help me understand my credit report?

My wife has a bumpy credit history, but we are trying to get a handle on it. At this point most of the negative things on her report have been resolved, but there are a few that are confusing us. ...
1
vote
1answer
127 views

Write a credit report dispute letter without including the report?

I need to dispute several items on my credit report, but since my report is 46 pages printed (38 without the legal extras they have to include at the end), I don't necessarily want to include copies ...
0
votes
1answer
354 views

What percentage of your credit card limit should you use [duplicate]

Possible Duplicate: What is the optimal ratio of used credit to credit limit for your credit score? Does length of credit history or percent of credit used count for more? I just read ...
1
vote
1answer
949 views

How do I fix a “red flag” regarding my SSN on my credit file?

According to the agent I talked to in myFICO.com, the reason I've been having so much trouble trying to get my credit report is because there is some kind of a problem with my SSN in my credit file. ...
3
votes
1answer
820 views

Should I be concerned if Equifax asks you about a “possible mortgage”?

I have been unable to get my online credit reports, and I am planning on sending a written request to see what could be done. However, something is worrying me: Equifax's FACT check before it tells ...
5
votes
2answers
196 views

Do I have to pay interest to increase my credit score?

I am going to ask this oft repeated question one more time because: I have heard many of my friends say that the best way to increase your credit score is to take a loan ( at an interest) and then ...
4
votes
2answers
150 views

How soon are credit reports available, after opening one's first credit account ?

They say that your credit reports are available after having an open credit account for 6 months. I've had a Citi Forward card for international students for 6 months and a week now, but I still can't ...
9
votes
3answers
193 views

Are credit monitoring services worth the monthly fee?

Several services offer to monitor your credit - supplying you with an updated credit report every month and your credit score, too. Are they worth the monthly cost ($10-20 is the range I've most ...
2
votes
1answer
106 views

Collections - charge off

I had a debt on my Bank of America credit card (which I used to pay part of my tuition during grad school). I was unable to pay it, it went into collection and I settled with them. Now I have a charge ...
4
votes
5answers
3k views

Can signing up at optoutprescreen.com improve my credit score?

I recently discovered optoutprescreen.com, the "official Credit Reporting Industry website" for consumers to opt-out of credit offers. A lot of people recommend signing up there, simply to reduce ...
6
votes
1answer
1k views

What are remedies if a collection agency won't remove a false item from the credit report?

Through my ex-wife's shenanigans I've had an entry on my credit report for around $400 for about a year. I think she wrote a check on an account that we've once had together, but was closed in 2007. ...
7
votes
2answers
345 views

My credit score took a massive dip. Why?

I checked my credit score today and it took a massive dip compared to one month ago: Ignore the gray line - it's immaterial. Transunion - Green Experian - Blue Equifax - Red I downloaded the ...
2
votes
1answer
1k views

How can I request a free copy of my credit report from Experian Canada?

In Canada we can request a credit report for free through the mail. I had no trouble finding TransUnion's or Equifax's request forms on their website, but Experian is another story. Their Canadian ...
15
votes
4answers
3k views

What can I realistically do to raise my credit score?

I have a crappy credit score. My situation in a nutshell: In the divorce, the ex got the home, which was then foreclosed on. My name was still on the mortgage. That was in 2009 or so. I attempted ...
3
votes
2answers
597 views

Transunion is “unable to locate credit report.” Should I be concerned?

I've been reviewing my different credit reports (from Experian, Equifax and Transunion). Equifax spelled my name wrong, and it's not extremely clear that I managed to fix that. But that's not the ...
2
votes
2answers
2k views

If spouse is already an authorized user, can they get their own credit card?

I signed up for a Citi credit card and in the application added my spouse as an authorized user so she could use it while I am away and we could meet the spend requirements (it's a mileage card). If ...
9
votes
3answers
252 views

Does getting more credit or credit cards improve your credit score?

I'm reading Ramit Sethi's I Will Teach You To Be Rich, and one of the tips from the first chapter is to apply for more credit card debt. He warns it's only for people like me who carry no credit card ...
4
votes
2answers
155 views

Should I look up my credit report or score before applying for a credit card?

Right now I have two Credit Cards, Amex and a Visa through Wells Fargo. I am planning changing over to Chase Freedom card for their 5% cash back. Part of the sign ups, depending your your credit, can ...
4
votes
1answer
166 views

Experian credit report: what are major credit cards?

My Experian credit report says that one of the factors negatively contributing to my credit score is the lack of "major credit cards currently open." The report further explains this in the following ...
8
votes
1answer
457 views

Effect of going over the credit limit on a credit card to your credit score?

If I have a credit card balance that is over the credit limit, and I don't go under within 30-days, the provider will report the overage to the reporting agencies. If you have generally good credit ...
5
votes
3answers
1k views

How can I get my incompetent utility company to remove late payments on my credit report?

My FICO score dropped 100 points after my incompetent utility company posted false late payments. It had been 780 prior to the late payments. I have a legitimate case but they are so bureaucratic and ...
1
vote
1answer
580 views

How can I get credit inquiries bumped off my Equifax credit report?

I understand that there is a bug with Equifax such that if you pull your credit report enough times, you eventually will bump off older hard inquiries other than those for mortgages and cars. Please ...
5
votes
5answers
1k views

Which secured credit cards start building your credit history right away?

I spoke with 3 banks this morning and they all said that for the time I was on the secured card, they would not report me to the credit unions and companies. They would just keep the score internal to ...