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.

learn more… | top users | synonyms

5
votes
1answer
89 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 ...
4
votes
2answers
146 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 ...
0
votes
2answers
61 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 ...
2
votes
2answers
68 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 ...
1
vote
1answer
66 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 ...
3
votes
2answers
161 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 ...
0
votes
1answer
53 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 ...
6
votes
2answers
1k 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.
1
vote
2answers
187 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 ...
1
vote
1answer
130 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
votes
2answers
125 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 ...
3
votes
5answers
351 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 ...
3
votes
2answers
121 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 ...
2
votes
1answer
77 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 ...
1
vote
1answer
46 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 ...
13
votes
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 ...
1
vote
1answer
85 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 ...
6
votes
1answer
362 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
votes
1answer
117 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 ...
0
votes
0answers
52 views

Credit reports that show interest rates?

Are there any credit reports out there that report the interest rates and/or interest charged for each of one's accounts? The most useful aspect of the Experian report from FreeCreditReport.com is ...
3
votes
1answer
87 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
52 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
217 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
224 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
156 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
votes
1answer
213 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 ...
4
votes
1answer
3k 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
117 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 ...
11
votes
5answers
557 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
194 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
146 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
944 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
169 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
152 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
610 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
483 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
520 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
316 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
79 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
465 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
865 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?
2
votes
1answer
129 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 ...
8
votes
1answer
144 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
45 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
4k 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
769 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
139 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
2k 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
544 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
135 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 ...