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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4answers
205 views

Difference between credit report issued by a credit reporting agency and credit karma credit report

I use Credit Karma to check my credit score and report. I'm also aware that I can consent for businesses or persons to request a credit report on me from a credit reporting agency (equifax, transunion,...
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1answer
84 views

When does credit card utilization matter?

I'm learning more about credit before I get a credit card, and I read that it's advised to never use more than 30% of your credit card's limit. Let's say someone has a $2000 credit line and he spends ...
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63 views

Are there negative consequences to having multiple credit monitoring services?

I already have one credit monitoring service that I am not paying for due to a security breach somewhere many years ago. I am not 100% sure but I think it expires/ends in a few years. My data was ...
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1answer
249 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 ...
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3answers
151 views

Why are free credit reports available only once per year?

Consumers have access to a free annual credit report from each of Equifax, Transunion, and Experian thanks to the Fair and Accurate Credit Transactions Act passed in 2003. However, this may be too ...
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3answers
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How much impact does employment have on credit score?

I'm in college, so I'm not exactly employed, ignoring occasional jobs here and there. I'd like to apply for a few new credit cards, and I noticed I don't have employment on my credit report. My ...
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1answer
89 views

How to increase CIBIL score

How to increase cibil score if your credit card and personal repayment history are not consistently good?
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1answer
104 views

Inappropriate credit report hard inquries

I'm an international student in the US. Three weeks ago I decided to buy a used car. I found a great option at an official manufacturer dealership. I wanted to buy it fully for cash. After a little ...
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43 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 ...
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2answers
92 views

Would Getting (and Paying) an Installment Loan Benefit My Mortgage Rate

I am planning to buy a house (in the US) in about 9-12 months. I've read from different resources that an installment loan may boost my credit score if I make my loan repayments on time, as this is ...
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3answers
161 views

As authorized user why is the credit utilization of the primary card showing in my report

My wife added me as an authorized user on her credit card account and I received a card with my name. The credit limit is still the same and is shared. I have recently started seeing it in my ...
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2answers
762 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 ...
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1answer
124 views

Credit score on credit card application is much lower than reported credit score on Experian

My girlfriend applied for a credit card and was approved. The approval letter included her Experian score, which stated a score of 645 (I don't remember the exact number, but that neighborhood). She ...
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3answers
3k views

Will Adding myself as a co-holder of my parent's credit card build my credit history?

I have been in the U.S. since 2007 as a student, and only recently realized the importance of buliding my credit history. My belief is that a credit card is the way to start building a credit history....
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1answer
73 views

first credit card for H1B worker

I see a question Looking to get my first credit card but that seem to focus on students. I have a friend, who just came on H1B with zero credit history. The bank that has the regular account for him/...
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3answers
108 views

Is it worth fixing a wrong address on my credit report?

I pulled my credit report today and noticed that one of the former addresses doesn't belong to me. It belongs to my aunt and uncle. I've never lived with them or had mail sent to their house, so aside ...
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2answers
167 views

How can I force a reconciliation between VantageScore 3 and FICO® Score 8?

My wife's credit score via VantageScore 3.0 (via CreditKarma, which is based on TransUnion data) is 790. In contrast, My wife's credit score via FICO® Score 8 is 670 (also based on TransUnion data)....
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1answer
601 views

What Happens if dont pay the creditcard or Personal Loan amount and leave the country

Hi My Friend went India without paying his credit card balances around $150K. Now he is unable to pay due to losses in business and what kind of actions can happen from credit card companies and/or ...
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886 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 ...
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1answer
3k views

How does an eviction affect a guarantor's credit score?

If I am the guarantor for someone (say a child, or a younger sibling), and that person got evicted, under what conditions (if any) does this show up on my credit score/report?
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1answer
75 views

Does creating an Equifax account subject you to additional personal data collection?

For creating an Equifax account, (for use with security freezes, for example), this is included in the Terms of Use: You authorize and instruct Us to obtain, monitor, and compile Your: (i) credit ...
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2answers
128 views

Impact on credit score of opening and closing accounts

I'm planning on buying a house sometime in the Winter of 2020 to spring 2021. Currently, my credit score is about 770 and I have the following open credit lines: A 2.5 year old $25,000 Prosper loan ...
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0answers
149 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 ...
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1answer
78 views

When should an immigrant to the US be able to freeze their credit?

I know someone who's been in the US for about three years. He came legally and is in the process of becoming a citizen. He has a bank account, a shared checking account with a family member, but no ...
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3answers
239 views

Large credit score drop

I use Mogo to review my credit score every month. I just moved to Canada so it took a while to even kickstart my rating, however, Mogos history shows. Dec (2 months after I got my credit card) - ...
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3answers
155 views

Auto loan finance for building credit

I recently moved to the USA and I have no credit history. I want to buy a car that costs $18,300. My down payment will be $12,000 and I will finance the balance at 15.4% (extremely high!) over 36 ...
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1answer
163 views

Please help me increase my credit score. Take a look

Its been a journey paying off old debts and getting some creditors to wipe the slate clean. Below is my current situation. Any tips/recommendations on which way to go? 2 accounts are closed.
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1answer
1k views

How to get access to US credit report while living outside USA?

I lived in United States for over eight years late 2000/early 2010s. For some reasons I think my identity has been stolen in the US, so I would like to check my credit report. However, I have moved ...
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1answer
257 views

Can my neighbours affect my credit report and/or credit score?

My wife and I live in a single building (in London, England) which contains three flats/apartments. We rent our flat privately (private tenants, renting from a private landlord) and the other two ...
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3answers
591 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'...
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2answers
425 views

Can U.S. car dealerships pull your entire credit report or just your FICO score?

In the U.S. can car dealerships pull your entire credit report, or just your score if you go into them to apply for a loan? Of all the research I've done, it sounds like its just your FICO score that ...
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1answer
118 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 ...
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2answers
225 views

What is the potential downside to freezing additional credit reporting agencies?

I have had a credit freeze on the big 3 credit reporting agencies for many years, and now I'm hearing about a 4th, Innovis (since the latest Equifax breach). Is there a down-side to freezing Innovis ...
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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? ...
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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 ...
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1answer
100 views

Is there a way to authorize release of credit check for a landlord, without revealing actual social security number?

I'm staring at an Apartment Owners Association of California form, for a rental application. I'm perfectly willing to have my credit checked, regarding a rental property. But I'm nervous about giving ...
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1answer
846 views

Who can help me understand my credit report?

My wife has a bumpy credit history, but we are trying to get a handle on it. At this point most of the negative things on her report have been resolved, but there are a few that are confusing us. ...
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1answer
1k views

Not Paying Loan Should I opt for One time Settlement. How will this reflect in CIBIL score?

I have loan. I didn't pay EMI for the past 1 year. Now the bank has provided me the option of One Time Settlement. This is roughly half of the entire loan. If I pay the One time settlement , how ...
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1answer
736 views

Should I ask credit report companies to remove old info?

I pulled my three reports from annual... I noticed that there are a lot of my old phone numbers and addresses on them obviously, as well as several different spellings of my name, and an address or ...
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1answer
1k views

Does paying off my credit balance before the due date for a lower utilization rate hurt my score?

Last month I opened a cash rewards credit card with Bank of America. I am worried about my credit score, as my first closing date was the end of September. I paid off the balance that I used a ...
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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 ...
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3answers
315 views

Can you hurt a nonexistent credit score?

I am a student, I just started my sophomore year. I have always been very financially responsible. Now, I want to start building my credit, so I did my research and applied for a student credit card. ...
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5answers
4k views

Do “Instant Approved” credit card inquires appear on credit report?

I have a very good credit score (just shy of excellent) and I wanted to purchase a fairly pricey item on Amazon. They have a couple of decent credit card offers, one with Chase that gives you $70 ...
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3answers
304 views

Is it ok to have multiple life time free credit cards?

I am currently having two life time free credit cards. These cards do not charge any annual fees. And another bank is offering me such credit card. I was thinking if I should go for it as its rare ...
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1answer
210 views

Settle credit card debt now or wait

Several years ago, I had 3 credit cards. After having financial issues (job loss and several other unfortunate events), I was not able to keep up with the monthly payments. I stopped payments on all ...
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1answer
265 views

Get a credit card for my immigrant wife, or keep her off the books?

My wife is a recent, legal immigrant to the US. I am considering getting her a credit card. I know this may be difficult because she has no credit, but I might be able to work something out with my ...
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1answer
1k views

Credit report in Italy

I am Italian, looking to move back to Italy. I'd like to know if Italy has some sort of credit-score or credit history and this is actually checked on mortgage application? Is credit score report ...
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2answers
7k views

If spouse is already an authorized user, can they get their own credit card?

I signed up for a Citi credit card and in the application added my spouse as an authorized user so she could use it while I am away and we could meet the spend requirements (it's a mileage card). If ...
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2answers
273 views

After successfully disputing a derogatory item on my credit report, can it reappear?

I have been fighting off an erroneous derogatory comment (collections) on my credit reports for the past few months. Two of the agencies have removed the item and I expect the third to follow suit ...
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2answers
1k views

Can someone intentionally hurt your credit score?

I know that if someone does a "hard" view of your credit score, it will lower by a bit. So what is stopping a malicious person/organization from illegally viewing your score a thousand times just to ...