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
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2answers
211 views

Can Having Less Debt Lower Your Credit Score?

Background: In preparation to buy my first house I've started keeping an eye on my (Experian FICO) credit score, and I've been seeing behavior that is very strange. After a year of my credit score ...
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39 views

Name variation on credit report in the UK, reason for concern?

I have three surnames, so my full legal name is generally written here (HMRC, DVLA, passport, pay slips) as: Forename Surname#1 Surname#2 Surname#3 I pulled my credit report and my current account ...
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3answers
200 views

Credit score dropped 73 points after applying for a new card?

Why did my credit score drop from a 762 to a 689? According to creditkarma I got hit with: JPMCB-Card Service: Opening a new account can temporarily lower your score because it adds a hard inquiry ...
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1answer
45 views

What constitutes inaccurate in a credit report?

What constitutes inaccurate in a credit report that can be disputed? I swear I have read everything I can online and its still confusing. If the current amount owed has been lowered with payments and ...
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2answers
112 views

What is the effect of closing an account immediately after it is opened?

I applied for a credit card, intending to use an offer for no interest for X months on a purchase from the retailer offering me the card. They accepted the application, but informed me that I couldn't ...
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3answers
147 views

Soft credit search without my permission

I recently bought a wallpaper sample for £1.99 online from a well known decorator company. I did not apply for credit for this purchase and paid the full amount at the time of purchase. I have since ...
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3answers
73 views

Should I have to unfreeze my credit for a bank I have an existing relationship to pull my credit?

I have my credit frozen with all three credit bureaus. In my opinion it is a big pain to have to unfreeze, because I have to remember all the details to go to three web sites and jump through a bunch ...
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2answers
295 views

Dealership ran my credit and then texted me and told me the truck was priced wrong. What can I do?

Called a dealership to buy a truck over the phone. I told him I wanted it and that I was going to have them finance it. First time over the phone purchase because of COVID-19 San Antonio, Texas Price ...
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1answer
83 views

Giving a loan: one large cheque vs. many small ones

Suppose I want to give someone a loan of $10,000, to be returned in a year. Naturally I would ask him to give me a single postponed cheque of $10,000 for a year. But I thought of a second option: ask ...
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6answers
4k 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 ...
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1answer
136 views

Authorized user on parents credit card, will it affect credit?

My sister just applied for a credit card and got denied. Shes never had a loan, always paid her current credit card in full every month, and should have essentially perfect credit (though maybe not ...
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2answers
10k views

Can I check US credit score from abroad?

I permanently left the US a few years ago and I am no longer permanent resident. Is there a way to check my own credit score for personal verification purposes (the major credit agencies require a ...
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1answer
132 views

Is it standard that a mortgage company won't pull your credit report while you're living abroad?

I'm going to be moving back to the states soon after living in Canada full a few years. I called wells Fargo to look into getting a mortgage today, and they told me that they will not pull my credit ...
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2answers
436 views

How can I regain my credit history after having legally changed my name?

In 2015, I opened a CreditKarma account to monitor my credit even though I had no credit history at the time. In 2017, I successfully applied for a secured credit card with a low credit limit based ...
3
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2answers
191 views

Credit utilization ratio, in practice

So, I am new to the US credit card system, and I have read about the credit utilization ratio around. Everyone talks about it as being the percentage of your current balance over your current credit ...
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3answers
1k 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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2answers
526 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 ...
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1answer
102 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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6answers
266 views

Applied for car loan and got denied: No credit history or no credit file

I am currently looking for a loan to purchase a new vehicle. I just called my bank, and after briefly discussing with them, they said that I can apply to a 2.74% loan. This is the best I have found so ...
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1answer
118 views

Is it normal to be asked to include detailed financial information on a home rental application?

I'm submitting a rental application for a privately-owned townhome in North Dakota, US. The application asks for more detailed financial information than I have ever had to provide on past ...
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2answers
406 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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1answer
76 views

Constraints and penalties for freezing and thawing credit report

I live in the U.S. and am interested in learning more about "freezing" one's credit report. When one freeze's a credit report for a particular bureau, does that prevent new creditors from adding ...
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3answers
5k views

Can I request a credit item be removed from my report as soon as it is paid in full?

I live in the U.S. and have two scenarios: On my credit report (doesn't matter which bureau), I have one account that I was never late on, paid on time each month, and is now finally paid off in full ...
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1answer
68 views

Possible to purchase credit reports more than once a year?

I live in the U.S. and although I am well aware that I am entitled to a free annual credit report once a year, I am open and willing to purchase my credit reports (from each bureau) more frequently ...
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1answer
189 views

Will Freezing My Credit Score Help Me Hide My Current Address?

I grew up in an abusive household and don't speak to my parents. Recently they found out where I live - very far away from them - and showed up unannounced at my door. I understand my credit report ...
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1answer
6k views

Credit freezes aren't available in Canada. What options are available to protect against identity theft?

It looks like credit freezes aren't possible in Canada. Despite this, there is some evidence that identity theft is a bona fide problem in Canada: RCMP states that in 2009 there were 11,095 identity ...
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1answer
174 views

Equifax data breach and correct credit monitoring service for $125

for the Equifax Data Breach , there is $125 being paid for people affected , previously one only needed to choose and the cash portion or the credit monitoring by Equifax. As most of the people has ...
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43 views

Removing an incorrect collection record from Canadian credit profile

A gym in Canada did not cancel my account and suddenly claims that I owe them money for almost two years, despite the fact that I never signed an agreement with them (I signed it with a different ...
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4answers
294 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
117 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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1answer
74 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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3answers
160 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
3k views

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
114 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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2answers
106 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
206 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
778 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 ...
3
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1answer
146 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....
3
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1answer
96 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
117 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
175 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
1k 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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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?
3
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1answer
86 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
137 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
153 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 ...
2
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1answer
87 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
244 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
158 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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