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.

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5
votes
2answers
306 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
232 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
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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
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1answer
846 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
2k 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
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3answers
470 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
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2answers
164 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 ...
14
votes
1answer
234 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?
10
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3answers
265 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 ...
3
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2answers
2k 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 ...
8
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2answers
870 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 credit ...
2
votes
1answer
2k views

How can I request a free copy of my credit report from Experian Canada?

In Canada we can request a credit report for free through the mail. I had no trouble finding TransUnion's or Equifax's request forms on their website, but Experian is another story. Their Canadian ...
6
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5answers
462 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?
6
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5answers
2k 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 ...
4
votes
1answer
276 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 ...
8
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1answer
1k 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
424 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 ...
2
votes
1answer
563 views

Security freeze on my TransUnion credit report

I run a credit check on myself every couple months just to make sure everything looks good. Well today I received this message on the report: *SECURITY FREEZE: THE FOLLOWING CREDIT BUREAUS REPORT ...
2
votes
1answer
799 views

Why is my credit score now being ranked on a scale of 501 to 990?

Over the years, I've run several credit reports on myself inching my way closer to 750 then 800 on a FICO scale. Then, using TrueCredit to analyze my report, as I always have, I suddenly notice I'm ...
7
votes
3answers
300 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 ...
14
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1answer
3k 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?
5
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2answers
232 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?
2
votes
2answers
873 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 ...
4
votes
3answers
2k 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 ...
9
votes
4answers
858 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 ...
4
votes
1answer
262 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 ...
7
votes
2answers
606 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
487 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?