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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33
votes
6answers
962 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 ...
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 ...
11
votes
1answer
184 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?
11
votes
4answers
357 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 ...
10
votes
1answer
175 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?
9
votes
4answers
407 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 ...
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 ...
9
votes
3answers
250 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 ...
8
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 ...
8
votes
3answers
237 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 ...
8
votes
3answers
291 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 ...
8
votes
1answer
445 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 ...
7
votes
3answers
231 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 ...
7
votes
2answers
343 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 ...
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 ...
6
votes
5answers
339 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 ...
6
votes
3answers
200 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 ...
6
votes
2answers
452 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 ...
6
votes
2answers
3k 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?
6
votes
1answer
121 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 ...
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. ...
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 ...
5
votes
2answers
195 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 ...
5
votes
2answers
173 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 ...
5
votes
5answers
339 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?
5
votes
2answers
122 views

What is a FICO score and how is it related to a credit report?

What is a FICO score and how is it related to a credit report?
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 ...
5
votes
3answers
138 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 ...
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 ...
4
votes
2answers
211 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 ...
4
votes
1answer
217 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 ...
4
votes
1answer
371 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 ...
4
votes
2answers
149 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 ...
4
votes
2answers
153 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
768 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 ...
4
votes
1answer
284 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
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 ...
4
votes
1answer
271 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 ...
3
votes
3answers
121 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 ...
3
votes
2answers
210 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?
3
votes
1answer
790 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 ...
3
votes
3answers
2k 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 ...
3
votes
2answers
117 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 ...
3
votes
1answer
139 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
votes
1answer
419 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. ...
3
votes
2answers
581 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 ...
3
votes
3answers
802 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 ...
2
votes
3answers
466 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 ...
2
votes
1answer
313 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
2answers
418 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 ...