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.

8
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4answers
1k views

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?
3
votes
1answer
525 views

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 ...
0
votes
3answers
359 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 ...
3
votes
1answer
229 views

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 ...
46
votes
7answers
2k 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 them ...
4
votes
2answers
439 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 ...
0
votes
1answer
193 views

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 ...
6
votes
1answer
891 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 ...
6
votes
2answers
296 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 ...
2
votes
2answers
238 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 ...
2
votes
1answer
203 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 ...
2
votes
1answer
2k 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 ...
1
vote
1answer
341 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
11k 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.
3
votes
2answers
265 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
2answers
3k 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
3k 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 (...
8
votes
2answers
5k 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?
2
votes
1answer
271 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
54 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 resources/...
15
votes
2answers
7k 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
95 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 ...
2
votes
1answer
168 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 ...
3
votes
1answer
178 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 ...
1
vote
0answers
108 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
531 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
290 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 ...
3
votes
3answers
3k 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, ...
2
votes
1answer
990 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 ...
5
votes
1answer
15k 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
181 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 ...
0
votes
1answer
202 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 ...
3
votes
2answers
315 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 ...
1
vote
1answer
155 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 ...
1
vote
1answer
207 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
271 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 ...
1
vote
1answer
843 views

How can I get credit inquiries bumped off my Equifax credit report?

I understand that there is a bug with Equifax such that if you pull your credit report enough times, you eventually will bump off older hard inquiries other than those for mortgages and cars. Please ...
4
votes
1answer
1k 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 ...
8
votes
3answers
1k 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 ...
5
votes
1answer
2k 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 ...
2
votes
1answer
162 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 ...
9
votes
1answer
265 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
54 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. ...
5
votes
2answers
302 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 ...
4
votes
2answers
229 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 ...
6
votes
2answers
281 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 ...
3
votes
1answer
841 views

Collections - charge off

I had a debt on my Bank of America credit card (which I used to pay part of my tuition during grad school). I was unable to pay it, it went into collection and I settled with them. Now I have a charge ...
0
votes
1answer
1k views

What percentage of your credit card limit should you use [duplicate]

Possible Duplicate: What is the optimal ratio of used credit to credit limit for your credit score? Does length of credit history or percent of credit used count for more? I just read this ...
9
votes
3answers
468 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 ...
4
votes
2answers
161 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 ...