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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49
votes
7answers
17k views

Didn't apply for credit card but got an application denied letter?

I was recently forwarded a letter by the owner of my old address that turned out to be from a credit card company, informing me my application had been declined. Ignoring that this letter was sent to ...
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 ...
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 ...
22
votes
4answers
8k views

Car dealer saying that they cannot see any credit information for my co-applicant. Could this be a scam?

A couple of days ago, I went to a Chrysler dealer here in Florida to look for a new car. Being that my credit score is currently somewhat low (about 680), me and my wife thought that we could have ...
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 ...
20
votes
4answers
6k views

What can I realistically do to raise my credit score?

I have a crappy credit score. My situation in a nutshell: In the divorce, the ex got the home, which was then foreclosed on. My name was still on the mortgage. That was in 2009 or so. I attempted ...
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?
19
votes
6answers
3k views

Why is a US credit score based on credit utilization?

As a European citizen I am somewhat puzzled by how American credit scores work. The US is one of the few, possibly the only country where such a strong focus is put on the utilization history of ...
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 ...
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?
14
votes
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?
12
votes
1answer
3k views

Why did my credit score plummet in a week? [duplicate]

I check my credit score on Credit Karma every week just to make sure everything is ok. Every now and then the score goes up a point, sometimes based on utilization it goes down a point or so. However,...
12
votes
4answers
2k views

Should I pay an erroneous bill in collections if it is a tiny amount?

I have a very small bill amounting to $43. I was billed this amount when a medical services company sent me a product that I did not order. (It was probably ordered on my behalf by a doctor I visited....
11
votes
3answers
2k views

Does having multiple credit cards contribute to “credit mix”?

Right now, the only credit account I have is one credit card, which I've had for about two years. If you don't count as debt the couple hundred dollars I put on that card and pay off in full each ...
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, ...
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 ...
10
votes
5answers
916 views

Why Am I Having Such A Hard Time Getting a Credit Report?

I have always heard about evil credit card companies preying on vunerable college students. I find that quite interesting, considering I've found it impossible to get a credit card! Even more ...
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)...
10
votes
3answers
263 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 ...
10
votes
3answers
413 views

Are there advantages to getting a “secured” credit card, if you have poor credit?

I've heard about "secured" credit cards - where you basically pre-pay the amount of your "credit card" limit - surely your use of this type of card is evident on your credit report, and the advantage ...
10
votes
1answer
317 views

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 ...
9
votes
4answers
852 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 ...
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. ...
9
votes
1answer
269 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 ...
9
votes
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 ...
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 ...
8
votes
3answers
620 views

I've started two credit agency disputes with the originators of the credit (CC company and a bank). Is there anything more required from me?

I found a CC that I had nothing to do with opening on my credit report. I called the issuing company and told them as much and they opened a dispute with the 3 agencies. Also, in an effort to increase ...
8
votes
2answers
866 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 ...
8
votes
4answers
2k 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?
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 ...
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?
8
votes
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 (...
8
votes
1answer
295 views

Why would something vanish from credit report?

I just got my Fico score (myFico.com) and was stunned when it was 67 points higher then 10 months ago (650 to 717). I noticed it was missing a medical bill I still haven't paid from 2008 for around $...
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 ...
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 ...
7
votes
3answers
422 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 ...
7
votes
3answers
590 views

Do I not have a credit score?

Today I tried to access my credit report for the first time from the three major agencies using annualcreditreport.com. When accessed through Experian, it gave me a generic error that my report wasn'...
7
votes
2answers
758 views

Can I appeal credit ding if ex-wife is responsible for paying mortgage?

Per the divorce agreement, my name stays (jointly) on the mortgage, but my ex-wife is responsible for making all mortgage payments She missed two payments this spring, triggering a negative credit ...
7
votes
2answers
605 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 ...
7
votes
3answers
299 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 ...
7
votes
1answer
2k views

Can I prevent Equifax from collecting my personal information?

Given the recent news about Equifax leaking information about millions of U.S. consumer (and some from U.K. and Canada), Is there any way for me to prevent Equifax from retaining my information? ...
6
votes
2answers
12k 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.
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 ...
6
votes
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 ...
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 ...
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 ...
6
votes
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
votes
1answer
6k views

Why am I getting “Pre-approved” loans from random financial institutions in the mail?

Lately I've been getting letters in the mail saying that I've been pre-approved for a $2000 dollar loan by some random bank or financial institutions. I've never given out my address to anyone. I ...
6
votes
2answers
485 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?
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. ...