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.

7 questions with no upvoted or accepted answers
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1answer
242 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 ...
3
votes
1answer
115 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 ...
3
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3answers
776 views

Do I need multiple credit monitoring services?

I currently have credit monitoring through Experian and I pay extra for it to monitor all three credit bureaus. In light of the recent Equifax breach and Equifax offering credit monitoring for those ...
1
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0answers
144 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 ...
1
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0answers
38 views

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
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0answers
109 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 ...
0
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0answers
41 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 ...