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
0answers
100 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
182 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 ...
1
vote
1answer
114 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 ...
6
votes
1answer
1k 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 ...
6
votes
1answer
914 views

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 ...
11
votes
1answer
297 views

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, ...
0
votes
3answers
141 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 ...
3
votes
3answers
3k 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
244 views

Can a paid judgment be removed from a credit report before 7 years?

Background After losing a job several years ago, my wife applied for unemployment. Initially, they approved her for unemployment and sent her the first payment (sans tax). Later, they reversed the ...
1
vote
1answer
199 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, ...
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
78 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 ...
9
votes
1answer
3k 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. ...
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 ...
6
votes
6answers
3k views

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 ...
8
votes
1answer
234 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 ...
10
votes
4answers
7k 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 ...
5
votes
2answers
128 views

Getting updates when my credit report is accessed

I have a subscription to one of those ID protection services. Not because I paid for it, but because someone lost my personal information and sprung for it for a couple of years. I've read somewhere ...
3
votes
2answers
7k views

Can I check US credit score from abroad?

I permanently left the US a few years ago and I am no longer permanent resident. Is there a way to check my own credit score for personal verification purposes (the major credit agencies require a ...
5
votes
1answer
4k 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 identity ...
6
votes
1answer
180 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. ...
0
votes
2answers
218 views

How to remove a late payment from my credit report?

My boyfriend had horrible credit, so we bought a living room set with my credit, but when we broke up he decided to stop paying on it (even though he kept the couches) and I didn't realize till 90 ...
6
votes
1answer
3k views

Unauthorized credit checks run by used car dealers. Can they do this, and what can I do?

I've been shopping for used cars and it seems that the used car dealers have been running credit checks without my permission. After about a month I noticed them on my credit report. What is the ...
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 ...
20
votes
1answer
4k views

If you put a freeze on your credit, will your credit score stop changing?

I have placed credit freezes at all three agencies in the US. I have existing debt that I am paying on time, will the credit freeze stop that activity from being recorded and helping my credit score?
1
vote
3answers
812 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) ...
1
vote
2answers
143 views

Credit Report debt expiration limit: original creditor vs. Collection

I am confused about how the statute of limitations with regards to debt applies to what is reported on an actual credit report from the 3 credit reporting agencies in the United States. Researching ...
5
votes
5answers
5k 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 ...
5
votes
1answer
158 views

Should my credit record show addresses where I never lived?

I have an address on my credit report, where I have never lived, but my ex has. Now I understand it is fine to have a link to her on the report, but her addresses should presumably feature on her ...
1
vote
2answers
106 views

Do credit card companies report older payment history to credit bureaus

I have recently got a new SSN. But I already own a student credit card from the past one year, issued by a financial institution without a credit check. As I didn't have an SSN when I applied for this ...
21
votes
5answers
5k views

Confused: Should I be opening more no annual fee credit cards to improve my score with the intention to not use them?

I was told that having more cards and more open accounts was more of a risk factor since you have more credit to abuse. However, this seems to say otherwise that credit trackers actually encourage you ...
4
votes
2answers
313 views

Freezing my credit report: worth it?

My information has been leaked several times, including in the recent Equifax fiasco. I'm considering freezing my credit report. The downsides of this seem to be the annoyance of paying a fee (to ...
9
votes
1answer
147 views

Credit freeze and affect on perception as credit risk

In light of the Equifax hack I keep reading that people should apply a credit freeze on themselves at the 3 main bureaus. However, someone told me that their mortgage consultant said that placing a ...
1
vote
2answers
144 views

Disputed bill awaiting response sent to collection agency

I have a family member who disputed a medical bill she received in April. Essentially, the provider billed for a code that indicated it was a 30-minute visit, instead of 5. Upon receiving the bill, ...
3
votes
3answers
851 views

How much will my credit improve if I pay off all the negatives and there's nothing else on it?

My TransUnion is 497, and Equifax is 469. I couldn't remember the information they needed to verify my identity online for the third credit agency. The only things on the reports are 5 things on ...
1
vote
4answers
496 views

How to go from Good to Excellent Credit for Free?

I looked up my Fico score for the first time in March of this year--it was 766. At that point, I had two credit cards, one that I used for almost everything and a store card that I hardly ever used. ...
5
votes
1answer
100 views

Do lenders have a practical obligation for prompt/accurate credit reporting?

Joe had a high-balance loan from Acme Bank and paid it off. Acme reported to the credit bureaus about every 30 days during the loan, up until the day after the scheduled payoff. On that last day, ...
3
votes
2answers
2k 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 ...
10
votes
3answers
2k views

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)...
2
votes
2answers
128 views

Disputing Items to Improve Credit Report

After declaring Chapter 13 bankruptcy about 14 months ago, I find myself in a position where my best option for finding a home is to purchase one (rather then rent an apartment, which is simply not an ...
5
votes
1answer
122 views

Does freezing one's credit report freeze both the report and the score or just the score?

If I place a security freeze on my credit report, does that prevent a lender from accessing the report and my credit score or does it just prevent accessing the credit score?
2
votes
2answers
186 views

Is the £2 Statutory Credit Report Suitable For Renting

We are currently viewing flats for rental. Generally going through agencies at the moment. In order to apply for a rental property the agency obviously needs to run a credit check. They charge ...
26
votes
4answers
6k views

$7300 medical billing error reported to credit agencies

I opened up a Credit Karma account and noticed a collection in the amount of $7368. It was originated from Eisenhower Medical center. So I called Eisenhower to inquire and after 45 minutes on the ...
-1
votes
1answer
139 views

Is using multiple sites to get your “free credit score” a bad idea — do all credit review sites pull from the same data?

My bank has a free credit score review option. There are several sites that offer it. Does it matter which one you pull from? Do they all pull from the same sources so the data is all the same or does ...
1
vote
1answer
802 views

Excessive Credit Check from Comcast

I used to be a customer of Comcast, but left them a long time ago for another ISP. When I started doing business with Comcast, they performed a credit check on me. At that time, I had no issue with it ...
2
votes
1answer
184 views

Removed late payment, score went down

I'm in the process of securing a mortgage. My mortgage lender pulled my credit score approximately a month ago and it came back at 695 which was lower than it has been in the past. We assumed it was ...
1
vote
2answers
426 views

Best way to deal with a $2700 Collection for unpaid apartment expenses

I am looking to rent a townhome and I have a credit score of 762. Over a month ago I got a notice about a new account on my credit report, so I look into it. $2800 collections notice from an ...
0
votes
2answers
179 views

Do all collections accounts show up on a credit report?

When running credit reports for potential tenants, I sometimes see accounts which are closed and charged off as a "profit and loss write-off". I also sometimes see collection accounts. That being ...
7
votes
3answers
2k views

Is my credit score affected by making payments in parts?

On a bank's website, I read that part payments affect credit score. Avoid part payments. It doesn’t really help and affects your score. There are times when amount due on my card is 20k, and I pay ...
1
vote
4answers
98 views

Payment plan with bank or negotiate with collection agency?

If I have a credit card bill that's months over due, I assume my credit is already shot because of the bill being overdue. The bank sent a notice that if I don't respond within a certain amount of ...