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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0answers
30 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.
...
6
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2answers
351 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
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1answer
93 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
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1answer
96 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 ...
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2answers
276 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
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1answer
143 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. ...
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0answers
71 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
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1answer
262 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
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1answer
218 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. ...
2
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1answer
194 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 ...
4
votes
2answers
168 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
128 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
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3answers
171 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
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1answer
94 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
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5answers
1k 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
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1answer
481 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
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2answers
241 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
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1answer
402 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 ...
13
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4answers
1k 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
282 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
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2answers
551 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
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3answers
176 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
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2answers
107 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
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1answer
133 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
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1answer
175 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
631 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
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1answer
381 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
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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 ...
3
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3answers
1k views
Adding myself as a co-holder of my parent's credit card will build my credit history?
I have been in the U.S. since 2007 as a student, and only recently realized the importance of buliding my credit history.
My belief is that a credit card is the way to start building a credit ...
2
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1answer
263 views
Why is my credit score now being ranked on a scale of 501 to 990?
Over the years, I've run several credit reports on myself inching my way closer to 750 then 800 on a FICO scale. Then, using TrueCredit to analyze my report, as I always have, I suddenly notice I'm ...
2
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1answer
217 views
Security freeze on my TransUnion credit report
I run a credit check on myself every couple months just to make sure everything looks good. Well today I received this message on the report:
*SECURITY FREEZE: THE FOLLOWING CREDIT BUREAUS REPORT ...
3
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3answers
104 views
How can I find a good credit score monitoring service that includes alerts when the credit score changes?
I recently found the below image in my notes, though I don't know the source so it is outdated. How can I find a good credit monitoring service at a reasonable cost? I need a feature that will send ...
5
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3answers
96 views
Is there a way to get a helpful person at a credit agency?
This question applies to anyone with a need to sort out a credit report issue, but I'll give the background in my particular case.
My credit is fine with all three agencies, but only one of the three ...
10
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1answer
125 views
How do I freeze my credit?
If freezing your credit is a better way to protect your identity and the associated credit that goes along with it, how do I freeze my credit?
3
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2answers
190 views
I'd like to refinance; how can I shop around at different banks without it affecting my credit?
I want to take advantage of the lower rates... and I want to shop around at different banks (unless you think that is unwise).
What must I know/do before each bank runs my credit report?
2
votes
2answers
319 views
Credit card not showing up on joint account holder's credit report
My wife has practically no credit, and we're trying to build it up. About 9 months ago I opened a Kohl's store credit card, and added her as a joint cardholder. We recently went through her credit ...
3
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1answer
87 views
Is a bank obligated to report information on your credit report?
Is a bank obligated or required to report information on your credit report?
I was reading this question and I thought that banks did not have to report information about a loan to the credit ...
3
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3answers
388 views
Why is my credit card not showing on my credit report?
I have just got my credit report. All seems fine, but I have noticed that there is no mention of my credit card on the report.
I only have one and it is with the same bank current account. I was a ...
3
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2answers
114 views
How do I find a legitimate, premium credit repair service?
I'm trying to find a premium credit repair service to help work towards the goal of removing all included in bankruptcy trade-lines from my credit report. In the past I have dealt with disputing ...
7
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3answers
197 views
Keep or cancel an unneeded credit card?
I recently got a credit card through my bank that is superior to the one I was using previously (the first one was a secured credit card that I used while I was establishing my credit history).
My ...
4
votes
1answer
186 views
Possible to remove remaining foreclosed mortgage debt off my credit report?
A little while ago, I asked a question where the consensus was that the bank won't be coming after me for the remainder of the money after the house was foreclosed on.
Seeing how they can't come ...
5
votes
2answers
134 views
Foreclosure debt still on the credit report
I went through a pretty nasty divorce in which my ex-wife got to keep the house. Eventually the house was foreclosed on and she eventually got evicted. However, my name (along with hers) was still ...
6
votes
2answers
255 views
Does closing a normal bank account affect my credit like closing a credit line?
I have a checking account that I once opened to divide money into different piles. I have since stopped doing that and want to close the checking account. I still have other checking accounts with ...
8
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3answers
172 views
Why Am I Having Such A Hard Time Getting a Credit Report?
I have always heard about evil credit card companies preying on vunerable college students. I find that quite interesting, considering I've found it impossible to get a credit card! Even more ...
9
votes
4answers
265 views
I am co-renting with others who do not pay rent reliably. Is there a way I can stay without harming my credit rating?
I rent with other adults in a rental property and my name is on the rental agreement with them. I would like to know if I have to move out, or is there a way I can remain and still pay just my fair ...
4
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2answers
1k views
Is there a free online credit report service in Canada?
This question refers to the AnnualCreditReport.com service in the United States.
Similarly, is there a free online credit report service in Canada?
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2answers
172 views
Are there advantages to getting a “secured” credit card, if you have poor credit?
I've heard about "secured" credit cards - where you basically pre-pay the amount of your "credit card" limit - surely your use of this type of card is evident on your credit report, and the advantage ...
4
votes
5answers
278 views
What are good tips for someone starting out to establish good credit history?
When you started out on your own, whether it was moving out of home for the first time or getting that first job what things did you do that helped your credit rating/history?
23
votes
6answers
558 views
How can one get their FICO/credit scores for free? (really free)
TV and the web are filled with ads promising to give you a free copy of your credit report. Unfortunately, instead of being wholly free, they are actually free trials, which means:
You only get ...
11
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1answer
165 views
What is the best way to go about cleaning up a poor credit rating?
Is it true that poor decisions you make now can affect you for up to seven years? Can they negatively-affect one beyond then? What are some steps one could take to repair the damage?
