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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1answer
40 views

Is it ok to just report to 1 credit bureau instead of all 3

I work for a company that reports customer account activity to all 3 credit reporting agencies (Experian, TransUnion, EquiFax) which requires a lot of effort and opens us up to a lot of risk if care ...
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2answers
64 views

Is any credit reporting agency less likely to remove a disputed item than the others?

Between TransUnion, Equifax and Experian: is any agency more anti-deletion than the other agencies? I have two items to dispute: one I can prove is incorrect and the other an unpaid credit card that ...
8
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1answer
119 views

Might it make sense not to look into debt that is in collections?

I happened to glance at my credit report and one of the agencies shows that I have a debt of just over $100 in collections. It appears to be from an emergency room in a previous state (I moved about 6 ...
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1answer
41 views

Demat & Trading account will reduce Cibil score?

I have opened Trading Demat Account before 2 years. But i used only 2 months. Will it reduce cibil score?
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1answer
61 views

How Secure credit card Increase Cibil Score?

I have Low Cibil Score(628). Take Example, I buy secure credit card say for Rs.25000, and i get Credit Limit as Rs.20,000.I do use Secure credit card 50% every month.And i pay EMIs correctly. Than ...
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2answers
72 views

Credit report verification questions not applicable

I can't get my credit report from Equifax, and I can't sign up to Credit Karma for the same reason: When verifying my identity by asking about loans/mortgages, both places ask me about a mortgage I ...
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0answers
21 views

What information is sent when a company requests my credit report?

As I understand it, there are a few types of credit inquiries Hard pull (applying for new credit, loans, etc.) Soft pull ("account review" inquiries, FICO score services, etc.) Promotional inquiry ...
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1answer
42 views

Time of CIBIL score update?

I have Education loan EMI of Rs 4500 per month. I didn't pay EMI for last 5 Months. So my cibil score has reduced to 600. I plan pay last 5 months EMI in a single payment and EMI regularly from this ...
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2answers
91 views

Can I remove a legit negative from credit report?

I had a student loan like 10 years ago, and it is since paid off completely and closed. However, in September 2009 and January 2010 I had late payments. Is it possible to ask that they be removed? Or ...
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1answer
49 views

Should I ask credit report companies to remove old info?

I pulled my three reports from annual... I noticed that there are a lot of my old phone numbers and addresses on them obviously, as well as several different spellings of my name, and an address or ...
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0answers
102 views

Credit freezes aren't available in Canada. What options are available to protect against identity theft?

It looks like credit freezes aren't possible in Canada. Despite this, there is some evidence that identity theft is a bona fide problem in Canada: RCMP states that in 2009 there were 11,095 ...
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1answer
131 views

Are “credit freezes” possible in Canada?

It seems to be generally-accepted that "freezing credit" is preferred to credit monitoring. Freezing your credit seems simple: Freezing your credit is as simple as contacting each of the credit ...
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1answer
67 views

Who are the consumer credit reporting agencies in Canada?

I'm trying to determine what credit freeze and reporting options are available in Canada. In the United States it seems freezing your credit requires contacting all of the credit bureaus. I have ...
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3answers
308 views

Improve credit score by removing adverse account

So my wife and I are trying to improve our credit scores in preparation to buy a house. I don't have any adverse things on my report, but my wife has one. She had a US Bank account a few years ago ...
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2answers
103 views

How much impact does employment have on credit score?

I'm in college, so I'm not exactly employed, ignoring occasional jobs here and there. I'd like to apply for a few new credit cards, and I noticed I don't have employment on my credit report. My ...
3
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1answer
64 views

How to get access to US credit report while living outside USA?

I lived in United States for over eight years late 2000/early 2010s. For some reasons I think my identity has been stolen in the US, so I would like to check my credit report. However, I have moved ...
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1answer
129 views

Does LendingClub's quick screening impact credit score?

I'm new to the US and trying to get a loan for buying a car. I know it's hard to get a loan without credit history, but I just clicked around. I typed some information from the homepage of ...
3
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1answer
127 views

will using credit card a lot help building credit score?

I have a credit card with a very low limit, which I finish regularly in a very limited time. will using it to the limit and pay the balance several time per one statement help to build the credit ...
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1answer
74 views

How long does an account stay 'open' on your credit report

A few years ago I had very little credit history and my parents agreed to put me as an authorized user of their cards to help build my credit. I've since built my credit significantly and my parents ...
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1answer
39 views

If bank can give less home loan than PAL offered based on my credibility

I have applied PAL (Pre approved home loan ) for a bank. Bank have approved the amount what I needed. When I confirmed with them, they assured they have check my cibil and credibility before approving ...
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4answers
447 views

Is bad for a person's 'financial reputation' to have transactions to lottery sites on his/her bank statement?

I want to buy a UK National Lottery ticket using my debit card but I don't want my bank to hold this against me - I don't want to ruin my credit report. Am I right to worry about this?
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1answer
180 views

How can I escalate a credit dispute when the bureau “confirms” the item?

A while back, I was moving to a new city. At the point when I got around to applying for an apartment, I had never checked my credit before. I was denied the apartment due to credit, and started ...
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2answers
173 views

How do disputed debts work on credit reports?

There is a company that believes I owe them money. I disagree, and they've hired a debt collector. I know how about my rights per the Fair Debt Collection Practices Act, and in particular that I ...
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3answers
120 views

What is a good plan for checking credit score/report monthly?

I would like to monitor my credit score/report on a monthly basis (to make sure nobody is opening credit cards in my name or other fraudulent activities). I remember hearing that too many requests ...
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2answers
93 views

Are auto loan monthly payments a fixed amount or a percentage of the principle remaining?

Are auto loan monthly payments a fixed amount or a percentage of the principle remaining? That is on a 20k loan at 2% interest for 60mo, can I pay off 19,900 of it (the first month) and still make a ...
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1answer
89 views

How many new addresses are “bad” on a credit report

I've heard that moving around a lot and changing addresses broadcasts instability on credit reports, and anecdotally, on credit scores too. Can anyone quantify this for me, thanks. ie. How much is ...
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2answers
208 views

Can someone intentionally hurt your credit score?

I know that if someone does a "hard" view of your credit score, it will lower by a bit. So what is stopping a malicious person/organization from illegally viewing your score a thousand times just to ...
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1answer
98 views

A credit report is a soft inquiry. Is a “credit score report” a hard inquiry?

On Experian's website (and, I imagine, the other two bureau sites) we have the option to obtain a credit report and a credit score report. The credit report is the report that we can get through ...
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2answers
2k views

Is the Amazon credit card reported to the credit agencies?

Is the Amazon Store credit card reported to the credit agencies? I'd like to know if a good payment history with this card will affect credit score or not.
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2answers
438 views

Ignored debt collection agency over false claim, now its on my credit report. What do I do?

Over six months ago, I started receiving calls & voice mails from a debt collector. I never answered the phone and eventually blocked them. I didn't have any debts (that I was aware of) so I ...
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1answer
646 views

How long should a mortgage take to appear on my credit report?

I bought a house earlier this year (closed on 30 Jan 2015), and while the two inquiries (prequalification from one bank, then the 'actual' lender we went with) about my mortgage appear on my report ...
2
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2answers
194 views

Soft Inquiry vs Hard Inquiry

For the following scenarios, I was informed that there'll be a soft inquiry involved Opening a Checking account at a credit union Requesting a Credit limit increase on a Credit card Signing up for ...
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5answers
664 views

Do “Instant Approved” credit card inquires appear on credit report?

I have a very good credit score (just shy of excellent) and I wanted to purchase a fairly pricey item on Amazon. They have a couple of decent credit card offers, one with Chase that gives you $70 ...
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2answers
167 views

Should I try to get an old late credit card payment removed?

I have a Capital One credit card that had a "$40 Maximum Delinquency of 30 days in 2011". It was paid after 30 days in 2011 and was a simple mistake from an annual auto renew charge for a website ...
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1answer
121 views

Will being added as an authorized CC user help or hurt in the short term?

I have a Fico score of 700. My spouse has a Fico score of 780. We are applying for a new home mortgage during the next couple of months. If I get added as an authorized user to one of her credit card ...
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1answer
47 views

Online resources for understanding credit reports, including a sample?

Could someone provide me sources where I can find some examples of a credit report (in the USA), how it looks like, etc.? I want to understand each and every section of credit report. Any ...
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2answers
5k views

How can I pull a credit report on my 20-year-old son?

My wife and I would like to see a credit report on our 20-year-old son. He is a college student, and we are responsible for virtually all of his expenses. We want to ensure he doesn't have credit/debt ...
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1answer
89 views

Paying off debts

My debt got sold off to a 3rd party. Do I get in contact with the original lender to pay the debt off? The other debts were with an ISP I once used. But think it has been classed as default. Found ...
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1answer
468 views

Shopping around for loans without detrimentally effecting credit rating/chance of getting said loan?

I've found myself stuck in a quandary. I put a deposit down on a car and I'm trying to obtain a personal loan based on this. The problem is that I'm finding that despite passing all initial checks ...
2
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1answer
121 views

Credit card company doesn't have a record of my account

In 2006, I was notified by mail that a credit account I had opened three years earlier was being transitioned to a new, different account. Both accounts are currently reported as open on my credit ...
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1answer
110 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 ...
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0answers
61 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
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1answer
294 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
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1answer
239 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 ...
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0answers
102 views

Knowing the bad credit (for loans) in Austria (KSV and similar)

In Italy there is a good service (to be payed about 30€) which access to the information owned by this databases though an easy interface. http://www.mistercredit.it/ Of course you can also have the ...
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0answers
186 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) ...
2
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1answer
378 views

What is an Installment Rate Percentage?

I'm looking at a dataset known as German Credit Data, available here: https://archive.ics.uci.edu/ml/datasets/Statlog+(German+Credit+Data) According to the description... "the dataset classifies ...
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1answer
4k 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 ...
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2answers
127 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 ...
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5answers
633 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 ...