Questions tagged [credit-report]

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.

Filter by
Sorted by
Tagged with
2
votes
2answers
321 views
+50

How can I regain my credit history after having legally changed my name?

I'll be addressing some things that may or may not be relevant. If this falls into more of a legal question, feel free to migrate it to Law SE. In 2015, I opened a CreditKarma account to monitor my ...
1
vote
6answers
239 views

Applied for car loan and got denied: No credit history or no credit file

I am currently looking for a loan to purchase a new vehicle. I just called my bank, and after briefly discussing with them, they said that I can apply to a 2.74% loan. This is the best I have found so ...
2
votes
1answer
108 views

Is it normal to be asked to include detailed financial information on a home rental application?

I'm submitting a rental application for a privately-owned townhome in North Dakota, US. The application asks for more detailed financial information than I have ever had to provide on past ...
1
vote
1answer
74 views

Constraints and penalties for freezing and thawing credit report

I live in the U.S. and am interested in learning more about "freezing" one's credit report. When one freeze's a credit report for a particular bureau, does that prevent new creditors from adding ...
6
votes
3answers
5k views

Can I request a credit item be removed from my report as soon as it is paid in full?

I live in the U.S. and have two scenarios: On my credit report (doesn't matter which bureau), I have one account that I was never late on, paid on time each month, and is now finally paid off in full ...
0
votes
1answer
68 views

Possible to purchase credit reports more than once a year?

I live in the U.S. and although I am well aware that I am entitled to a free annual credit report once a year, I am open and willing to purchase my credit reports (from each bureau) more frequently ...
2
votes
1answer
185 views

Will Freezing My Credit Score Help Me Hide My Current Address?

I grew up in an abusive household and don't speak to my parents. Recently they found out where I live - very far away from them - and showed up unannounced at my door. I understand my credit report ...
2
votes
1answer
166 views

Equifax data breach and correct credit monitoring service for $125

for the Equifax Data Breach , there is $125 being paid for people affected , previously one only needed to choose and the cash portion or the credit monitoring by Equifax. As most of the people has ...
0
votes
0answers
42 views

Removing an incorrect collection record from Canadian credit profile

A gym in Canada did not cancel my account and suddenly claims that I owe them money for almost two years, despite the fact that I never signed an agreement with them (I signed it with a different ...
4
votes
4answers
274 views

Difference between credit report issued by a credit reporting agency and credit karma credit report

I use Credit Karma to check my credit score and report. I'm also aware that I can consent for businesses or persons to request a credit report on me from a credit reporting agency (equifax, transunion,...
0
votes
1answer
102 views

When does credit card utilization matter?

I'm learning more about credit before I get a credit card, and I read that it's advised to never use more than 30% of your credit card's limit. Let's say someone has a $2000 credit line and he spends ...
1
vote
1answer
66 views

Are there negative consequences to having multiple credit monitoring services?

I already have one credit monitoring service that I am not paying for due to a security breach somewhere many years ago. I am not 100% sure but I think it expires/ends in a few years. My data was ...
0
votes
3answers
157 views

Why are free credit reports available only once per year?

Consumers have access to a free annual credit report from each of Equifax, Transunion, and Experian thanks to the Fair and Accurate Credit Transactions Act passed in 2003. However, this may be too ...
1
vote
1answer
109 views

Inappropriate credit report hard inquries

I'm an international student in the US. Three weeks ago I decided to buy a used car. I found a great option at an official manufacturer dealership. I wanted to buy it fully for cash. After a little ...
0
votes
0answers
48 views

Can I get an active collections account removed from my credit report if the original debt is not on there?

I'm currently paying off an old debt from Wells Fargo that is in collections with Portfolio Recovery. The collections account appears on my credit report, but the original debt does not. Does this ...
1
vote
2answers
96 views

Would Getting (and Paying) an Installment Loan Benefit My Mortgage Rate

I am planning to buy a house (in the US) in about 9-12 months. I've read from different resources that an installment loan may boost my credit score if I make my loan repayments on time, as this is ...
0
votes
3answers
190 views

As authorized user why is the credit utilization of the primary card showing in my report

My wife added me as an authorized user on her credit card account and I received a card with my name. The credit limit is still the same and is shared. I have recently started seeing it in my ...
6
votes
2answers
772 views

Can I appeal credit ding if ex-wife is responsible for paying mortgage?

Per the divorce agreement, my name stays (jointly) on the mortgage, but my ex-wife is responsible for making all mortgage payments She missed two payments this spring, triggering a negative credit ...
3
votes
1answer
140 views

Credit score on credit card application is much lower than reported credit score on Experian

My girlfriend applied for a credit card and was approved. The approval letter included her Experian score, which stated a score of 645 (I don't remember the exact number, but that neighborhood). She ...
3
votes
1answer
90 views

first credit card for H1B worker

I see a question Looking to get my first credit card but that seem to focus on students. I have a friend, who just came on H1B with zero credit history. The bank that has the regular account for him/...
7
votes
3answers
117 views

Is it worth fixing a wrong address on my credit report?

I pulled my credit report today and noticed that one of the former addresses doesn't belong to me. It belongs to my aunt and uncle. I've never lived with them or had mail sent to their house, so aside ...
-2
votes
2answers
171 views

How can I force a reconciliation between VantageScore 3 and FICO® Score 8?

My wife's credit score via VantageScore 3.0 (via CreditKarma, which is based on TransUnion data) is 790. In contrast, My wife's credit score via FICO® Score 8 is 670 (also based on TransUnion data)....
3
votes
1answer
82 views

Does creating an Equifax account subject you to additional personal data collection?

For creating an Equifax account, (for use with security freezes, for example), this is included in the Terms of Use: You authorize and instruct Us to obtain, monitor, and compile Your: (i) credit ...
1
vote
2answers
135 views

Impact on credit score of opening and closing accounts

I'm planning on buying a house sometime in the Winter of 2020 to spring 2021. Currently, my credit score is about 770 and I have the following open credit lines: A 2.5 year old $25,000 Prosper loan ...
1
vote
0answers
150 views

Single late mortgage payment is hurting me a lot

I'm from the US and I've recently applied for HELOC refinancing at a much lower rate (-2.00%), but underwriter has decided to deny the application due to a single late mortgage payment made in Jan ...
2
votes
1answer
81 views

When should an immigrant to the US be able to freeze their credit?

I know someone who's been in the US for about three years. He came legally and is in the process of becoming a citizen. He has a bank account, a shared checking account with a family member, but no ...
1
vote
3answers
239 views

Large credit score drop

I use Mogo to review my credit score every month. I just moved to Canada so it took a while to even kickstart my rating, however, Mogos history shows. Dec (2 months after I got my credit card) - ...
9
votes
2answers
395 views

Can I find out who recently has been reporting very old addresses to my credit report?

My credit report at TransUnion includes, in the personal information section, both past addresses and the date each was reported/confirmed to the credit bureau. Several addresses are reported with ...
0
votes
1answer
201 views

Please help me increase my credit score. Take a look

Its been a journey paying off old debts and getting some creditors to wipe the slate clean. Below is my current situation. Any tips/recommendations on which way to go? 2 accounts are closed.
3
votes
1answer
815 views

What Happens if dont pay the creditcard or Personal Loan amount and leave the country

Hi My Friend went India without paying his credit card balances around $150K. Now he is unable to pay due to losses in business and what kind of actions can happen from credit card companies and/or ...
5
votes
1answer
262 views

Can my neighbours affect my credit report and/or credit score?

My wife and I live in a single building (in London, England) which contains three flats/apartments. We rent our flat privately (private tenants, renting from a private landlord) and the other two ...
2
votes
1answer
101 views

Is there a way to authorize release of credit check for a landlord, without revealing actual social security number?

I'm staring at an Apartment Owners Association of California form, for a rental application. I'm perfectly willing to have my credit checked, regarding a rental property. But I'm nervous about giving ...
0
votes
3answers
157 views

Auto loan finance for building credit

I recently moved to the USA and I have no credit history. I want to buy a car that costs $18,300. My down payment will be $12,000 and I will finance the balance at 15.4% (extremely high!) over 36 ...
1
vote
1answer
2k views

Does paying off my credit balance before the due date for a lower utilization rate hurt my score?

Last month I opened a cash rewards credit card with Bank of America. I am worried about my credit score, as my first closing date was the end of September. I paid off the balance that I used a ...
4
votes
3answers
368 views

Can you hurt a nonexistent credit score?

I am a student, I just started my sophomore year. I have always been very financially responsible. Now, I want to start building my credit, so I did my research and applied for a student credit card. ...
5
votes
1answer
223 views

Settle credit card debt now or wait

Several years ago, I had 3 credit cards. After having financial issues (job loss and several other unfortunate events), I was not able to keep up with the monthly payments. I stopped payments on all ...
2
votes
1answer
273 views

Get a credit card for my immigrant wife, or keep her off the books?

My wife is a recent, legal immigrant to the US. I am considering getting her a credit card. I know this may be difficult because she has no credit, but I might be able to work something out with my ...
3
votes
1answer
123 views

What is the most efficient way to dispute an invalid collection on a credit report?

I had a surgery and a ton of medical issues. All but one thing went through insurance. The healthcare provider for that one thing went straight to collections. I contacted them, and my insurance ...
0
votes
2answers
429 views

Can U.S. car dealerships pull your entire credit report or just your FICO score?

In the U.S. can car dealerships pull your entire credit report, or just your score if you go into them to apply for a loan? Of all the research I've done, it sounds like its just your FICO score that ...
2
votes
0answers
167 views

Is it possible to tell if someone is a U.S citizen or not just by looking at their credit report? [duplicate]

I am not sure if this question fits this stack exchange, but I could not any other that seemed more appropriate. Here it goes. Say person A is a U.S citizen with 3 years of credit history. Person B ...
1
vote
1answer
118 views

Free Credit Report — Checking for identity theft

I'm about to request my free annual credit report. I've never requested one before, but I noticed something suspicious with my FICO score lately in my Discover Card app and want to look into my credit ...
1
vote
1answer
186 views

How does this credit scoring work?

I live in the UK, where credit referencing agencies are seen by many (myself included) as the devil. They hold a lot of life-critical information about me but they don't want to share that info, not ...
0
votes
3answers
148 views

How will having two active credit accounts with different balances affect my monthly credit scores?

I heard that with the new FICO model, they want you to spend ten percent or less of your credit limit to keep your scores from dropping. I recently applied for a second credit card, one with four ...
1
vote
1answer
76 views

Bank's Reporting Responsibilities on Closing Accounts

Is a bank required under law to report the bank's closing of your account to ChexSystems or any credit reporting agency
2
votes
1answer
86 views

Collections account on one credit report yet CreditKarma reports my scores are almost the same. Why?

I've been fighting with the credit reporting agencies to get an incorrect collections account removed from my report. Two of the three have complied, but TransUnion is being very stubborn. It's been ...
0
votes
1answer
125 views

How do credit checks work?

How do credit checks work? I am considering a loan to a person who doesn't have credit and isn't eligible to get a loan from a bank. How does the logic of credit checks work? At least, I hope to ...
1
vote
1answer
202 views

How much can owning part of a liquidated company affects my credit score?

As part of my employee compensation when I started working for a small startup, I got 5% of the shares. The company didn't make it and the founder wrote me to tell me that he's going to liquidate it, ...
8
votes
1answer
247 views

Old collection keeps resurfacing on my credit

[This question is very similar to Credit Report debt expiration limit: original creditor vs. Collection, but I'm solely concerned with the 7-year FCRA rule and my ability / legal right, or lack ...
6
votes
1answer
187 views

What are the risks of paying rent through CreditLadder or a similar company?

In the UK, paying rent is not normally reported to credit agencies. Landlords who own more than 100 properties can report this to Experian, but the vast majority of landlords have less properties. ...
5
votes
4answers
3k views

Should I pay credit card balance to ZERO, or just the balance due?

I have a credit card set to pay the balance due in full on the due date automatically, so I don't pay interest. By the time the due date hits, my actual balance is of course, almost double the ...