Questions tagged [credit-report]
A credit report provides an individual's credit history, including their credit score. This tag is to be used for questions related to overall credit report, of which credit score is just one part. Related tags are credit-history.
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Will having a credit freeze still allow a hard inquiry on my credit report?
If I have my credit files frozen with the 3 major bureaus, and I apply for a credit card or attempt to take out a loan, my understanding is that I should be immediately denied - as expected.
But will ...
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Holding Multiple Credit Cards. Does the credit limits add up and work together? [duplicate]
So lets say I have the following credit cards with the following limits:
$1,500
$8,500
$9,000
If they all sat at 0 usage, and I was to charge one of them at say $3000 and let that sit on 0% APR for ...
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Should I dispute fraudulent hard inquiries on my credit report?
A store credit card was opened fraudulently in my name, and I am going through the process of disputing and having it removed from credit reports.
Within a few days of that account being opened, ...
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Canceling a heavily used Credit Card to pick up a new one
I've heard people say if you cancel a credit card it hurts your credit score... not sure how true that is.
Anyway...
I have a credit card with a $8500 limit that I push a good $2000+ through a month ...
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Privacy preferences on creditworthiness data
Many US banks issue a privacy statement to their customers (for this question, assume a credit card customer) containing language like what's below, followed by a yes/no "Do we share?" and yes/no "Can ...
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Does a Canadian Equifax credit report have one's age on it?
I have never got a credit report before and I want to know whether it includes age because I need to show it to rent a place but I'm not comfortable with anybody knowing my age. Credit reports from ...
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Can you have negative credit utilization? How would it appear on your report and affect your score?
I know from this answer that having 1% utilization is better than 0%, but what about -1%? Is this even possible?
Every time I make a charge with my credit card, I pull up my bank's app and pay it ...
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How can I inform the collector that I have paid the landlord in full, to update my credit report? Will it help my credit score?
Unbeknownst to me, some apartment debt I paid had already been sold to a collections agency before I actually paid it. Now the collections agency still thinks I owe, (according to my TransUnion report)...
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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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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 ...
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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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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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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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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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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 (...
- 1,271
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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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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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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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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 identity ...
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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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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 not,...
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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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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 ...
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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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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 ...
- 225
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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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298
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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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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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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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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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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 ...
user27684
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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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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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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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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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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 ...
user12337
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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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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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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 (...
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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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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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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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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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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 resources/...
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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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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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Shopping around for loans without detrimentally affecting 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 ...
user24734
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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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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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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 ...
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