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
510 views

How to go from Good to Excellent Credit for Free?

I looked up my Fico score for the first time in March of this year--it was 766. At that point, I had two credit cards, one that I used for almost everything and a store card that I hardly ever used. ...
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1answer
101 views

Do lenders have a practical obligation for prompt/accurate credit reporting?

Joe had a high-balance loan from Acme Bank and paid it off. Acme reported to the credit bureaus about every 30 days during the loan, up until the day after the scheduled payoff. On that last day, ...
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2answers
2k views

Soft Inquiry vs Hard Inquiry

For the following scenarios, I was informed that there'll be a soft inquiry involved Opening a Checking account at a credit union Requesting a Credit limit increase on a Credit card Signing up for ...
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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)...
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2answers
132 views

Disputing Items to Improve Credit Report

After declaring Chapter 13 bankruptcy about 14 months ago, I find myself in a position where my best option for finding a home is to purchase one (rather then rent an apartment, which is simply not an ...
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1answer
131 views

Does freezing one's credit report freeze both the report and the score or just the score?

If I place a security freeze on my credit report, does that prevent a lender from accessing the report and my credit score or does it just prevent accessing the credit score?
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2answers
191 views

Is the £2 Statutory Credit Report Suitable For Renting

We are currently viewing flats for rental. Generally going through agencies at the moment. In order to apply for a rental property the agency obviously needs to run a credit check. They charge ...
27
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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 ...
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1answer
140 views

Is using multiple sites to get your “free credit score” a bad idea — do all credit review sites pull from the same data?

My bank has a free credit score review option. There are several sites that offer it. Does it matter which one you pull from? Do they all pull from the same sources so the data is all the same or does ...
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1answer
847 views

Excessive Credit Check from Comcast

I used to be a customer of Comcast, but left them a long time ago for another ISP. When I started doing business with Comcast, they performed a credit check on me. At that time, I had no issue with it ...
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1answer
196 views

Removed late payment, score went down

I'm in the process of securing a mortgage. My mortgage lender pulled my credit score approximately a month ago and it came back at 695 which was lower than it has been in the past. We assumed it was ...
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2answers
454 views

Best way to deal with a $2700 Collection for unpaid apartment expenses

I am looking to rent a townhome and I have a credit score of 762. Over a month ago I got a notice about a new account on my credit report, so I look into it. $2800 collections notice from an ...
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2answers
185 views

Do all collections accounts show up on a credit report?

When running credit reports for potential tenants, I sometimes see accounts which are closed and charged off as a "profit and loss write-off". I also sometimes see collection accounts. That being ...
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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 ...
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4answers
100 views

Payment plan with bank or negotiate with collection agency?

If I have a credit card bill that's months over due, I assume my credit is already shot because of the bill being overdue. The bank sent a notice that if I don't respond within a certain amount of ...
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3answers
238 views

Is keeping old credit cards and opening new credit cards with high limits and never using an ideal way to boost credit scores?

I was always under the impression to never close a credit card as it can hurt credit. Especially, if you have had it for a long time. I've also heard that never going over 10-20% of a credit card is ...
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1answer
134 views

How do I remove a charge-off from my credit score?

I currently have a credit score of 667. The only negative note I have is from a credit card where I owed $4,100 but failed to make any payments for 22 months. That debt was eventually charged-off. ...
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1answer
134 views

What should I know before applying for a student loan? Should I pay off all or as much of my CC debit first?

Before taking out a student loan, would it be best to pay off as much of my Credit Card as possible to help get the best APR%? I have 1 CC with a $5000 limit unused. I have another with $7500 on a $...
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1answer
130 views

How to add missing items to credit report

I recently paid off 100% of my debt. It was in default for more than 7 years. My credit report showed these accounts in default, then the accounts were eventually removed from the credit report ...
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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....
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1answer
85 views

If bank can give less home loan than PAL offered based on my credibility

I have applied PAL (Pre approved home loan ) for a bank. Bank have approved the amount what I needed. When I confirmed with them, they assured they have check my cibil and credibility before approving ...
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2answers
283 views

Is a bank obligated to report information on your credit report?

Is a bank obligated or required to report information on your credit report? I was reading this question and I thought that banks did not have to report information about a loan to the credit ...
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1answer
42 views

Nationality/Residence on US credit report?

Is the Nationality and Residence Status saved on my credit report? Do and should I report a change in my status report to the credit bureaus or to the issuing bank? I am asking because I know that ...
12
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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 ...
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7answers
19k 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 ...
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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,...
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3answers
319 views

How to lower percentage of credit card usage to improve credit?

I recently took a big hit on my credit score it went from 730 something to 686 from utilizing 60% or so of my credit card balance. I use my credit card for almost everything and pay off the balance ...
2
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2answers
358 views

UK equivalent of annualcreditreport.com?

From https://money.stackexchange.com/a/52272 I learned that (apparently) US federal law says I can "Get a free copy of your credit report every 12 months from each credit reporting company.", through ...
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1answer
216 views

How long before proper credit card utilization counteracts the hard inquiry?

I know this will depend on personal factors, but let's aim for a rule of thumb. They say not to apply for credit anytime before asking for a loan, and this question is not specifically for that ...
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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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2answers
224 views

Is any credit reporting agency less likely to remove a disputed item than the others?

Between TransUnion, Equifax and Experian: is any agency more anti-deletion than the other agencies? I have two items to dispute: one I can prove is incorrect and the other an unpaid credit card that ...
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3answers
3k views

How can I get my incompetent utility company to remove late payments on my credit report?

My FICO score dropped 100 points after my incompetent utility company posted false late payments. It had been 780 prior to the late payments. I have a legitimate case but they are so bureaucratic and ...
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2answers
7k views

How to remove late payment of student loan from report (credit report dispute failed)

About 6 years ago, I became 'late' on some payments to the then Sallie Mae. I am current now (have been ever since) although because it was three loans from the same company, there are three bad marks ...
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1answer
322 views

Credit limit increase unauthorized hard pull

I have a Fidelity Rewards credit card, which is managed by Elan Financial services. This is the only credit card that has not had its CLI increased by the provider. I filled out a request a couple of ...
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3answers
310 views

Credit Score, Collection from 1 year ago, have not lived in america for 4 years

I used to live in America for 2 years, but i moved back to my home country in December 2012, i will however will be moving back to American next month. I checked my credit score (story behind why in ...
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2answers
200 views

Would it hurt my credit score/report if a company decided to close my account for security reasons?

Recently I received a letter from my credit card company asking me to send them a proof of identity/address as they have frozen my account and doing security checks. I can't be bothered to send them ...
5
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2answers
264 views

How is an inquiry on the credit report different from checking credit score?

I was reading on some posts on Money.SE about how inquiring on the credit report is not good because it lowers your credit score. It seems to me however that whenever you have a credit card that ...
2
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3answers
185 views

Are there any rules against penalizing consumers for requesting accurate credit reporting?

Most credit reports list a consumer's credit accounts and for each month of history on that account, an indication of account status (e.g. 0/30/60/90 days past due). Some credit reports also list the ...
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3answers
152 views

Is it better to wait until one credit card shows up on my report before applying for any others?

How should you schedule applying for new credit cards if your goal is to not alarm prospective creditors while getting high initial credit limits? For example if approved for a new credit card should ...
2
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2answers
813 views

Would open source credit score formulas be feasible?

Do these exist and if they did, what would prevent financial institutions from using them? More Details: Let's say that some academics got together and decided that the 3 major US Credit Reporting ...
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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 ...
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1answer
118 views

How CIBIL Credit score will impact for 2 unsecured loans?

I have 2 loans. One I am paying on time correctly. Another one I am paying partially. How it will affect my CIBIL Credit score?.
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5answers
960 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 ...
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1answer
4k views

Does Bank Of America Credit Card Report to All Credit Agencies?

I was added on my fathers Bank of America visa credit card about a year ago. Recently getting my credit reports I saw that only one had the card listed (Transunion). The other two (Equifax and ...
2
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5answers
2k views

Got charged ridiculous amount for doctor's walk in visit. What are my options?

I went to a local doctor's office that takes walk ins. The visit was normal, they took my vitals, doctor saw me, and prescribed some meds. A few weeks later I got a bill in the mail for $400. That'...
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3answers
441 views

Do company benefits, such as HSA or pre-tax commuter plans, that open up accounts in my name affect my credit report or score?

My company offers a couple different benefit plans that provide me with an account where funds get added and I can charge expenses to. For example, I now have an account and a debit card with a bank ...
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2answers
383 views

How do credit-builder loans show up on credit reports?

To boost folks' credit scores, a financial product called a credit-builder loan provides a loan of cash that borrowers can't spend, which is paid off a bit each month. The primary effect (and benefit)...
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1answer
285 views

Should I communicate with a collections agency to dispute a claim after it's been deleted from my credit report?

A little over a month ago, I received a voicemail from a debt collections agency stating that they wanted to collect on $200 from an apartment complex that I moved out of 6 months earlier. I assumed ...
8
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3answers
623 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 ...
6
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2answers
383 views

How do the CRAs (Equifax etc.) know my occupation?

I just checked my credit reports for the first time and my job is listed on each report. How do the CRAs get this information and why do they list what job I have?