December 3, 2010
November 16, 2010
Is there a huge difference between a FICO credit score and the score given by the 3 credit bureaus?
lamontsmith13 asked:
I’ve already gotten my free credit reports from annualcreditreport.com but now I’m looking to monitor my credit score periodically from all three bureaus. I know that FICO is probably the biggest credit score service is their number that much different than what I’d get from the credit score source that Equifax, Experian and TransUnion use?
I’ve already gotten my free credit reports from annualcreditreport.com but now I’m looking to monitor my credit score periodically from all three bureaus. I know that FICO is probably the biggest credit score service is their number that much different than what I’d get from the credit score source that Equifax, Experian and TransUnion use?
I just don’t want to pay so much more for nothing. If FICO says my Experian credit score is 700 and I go to Experian.com and their service says my score is 692, I don’t see the difference.
Thanks.
Nathan
November 13, 2010
I’m repairing my credit. How can I monitor my credit score periodically from all 3 credit reporting agencies.
lamontsmith13 asked:
I’m 33 years old and in the process of rebuilding my credit from my reckless youth. I’ve paid off almost all my outstanding credit card debt and have a few new cards that I’m doing well with but I would like to watch my credit scores rise from all three reporting agencies (Equifax, TransUnion and Experian).
I’m 33 years old and in the process of rebuilding my credit from my reckless youth. I’ve paid off almost all my outstanding credit card debt and have a few new cards that I’m doing well with but I would like to watch my credit scores rise from all three reporting agencies (Equifax, TransUnion and Experian).
I know the score has gone up some in the last few months and my ultimate goal is home ownership so I would like to monitor them.
I went to myFICO.com but I believe that is a one-time kind of report/score. I’m looking for updated monitoring. Does anyone know of a RELIABLE company that will do this for me?
Thanks.
Cecil
November 9, 2010
How much can a payday loan that reports to the 3 bureaus help my credit score?
Rob Bec asked:
I recently saw an offer to get a payday loan that reposts to the big 3 credit agencies.
I recently saw an offer to get a payday loan that reposts to the big 3 credit agencies.
How much can getting payday loans and paying them off on time REALLY improve my credit score?
Kimberly
November 7, 2010
when a mortgage company checks your credit score will they do an average of all 3 combined?
ND asked:
i was told that all i needed was a credit score of 600 to qualify. and i only scored above 600 on one of the 3 major score companies( equifax) but the others are very very close to 600. will they do an average of the 3 scores combined?
Lucille
i was told that all i needed was a credit score of 600 to qualify. and i only scored above 600 on one of the 3 major score companies( equifax) but the others are very very close to 600. will they do an average of the 3 scores combined?
Lucille
October 30, 2010
i have a credit account with an annual percentage rate of 29.99% (it’s a dell account)?
gigi726 asked:
should i open up a new credit card account with 0% intro rate and transfer the balance from the dell. i’m trying to rebuild my credit and have 3 credit cards already. i always pay on time. my credit score is rising slowly but surely. i also have alot of inquiries on my report, so i’m trying to not have my credit report looked at at all. is the few points my score will down worth opening a new card to transfer the dell balance to? that interest rate is KILLING me! does anyone know who i should call or contact to ask for financial advice for cheap or free.
Lauren
should i open up a new credit card account with 0% intro rate and transfer the balance from the dell. i’m trying to rebuild my credit and have 3 credit cards already. i always pay on time. my credit score is rising slowly but surely. i also have alot of inquiries on my report, so i’m trying to not have my credit report looked at at all. is the few points my score will down worth opening a new card to transfer the dell balance to? that interest rate is KILLING me! does anyone know who i should call or contact to ask for financial advice for cheap or free.
Lauren
October 13, 2010
When is it time to claim bankruptcy?
Ally, THAT girl asked:
I am not really sure how it works.. but I am trying to get my boyfriend’s credit back in order.. I did the free credit report thing.. and his score is not that bad, it’s 607.. but he owes about 5 different agencies and it totals about $4,500.
I am not really sure how it works.. but I am trying to get my boyfriend’s credit back in order.. I did the free credit report thing.. and his score is not that bad, it’s 607.. but he owes about 5 different agencies and it totals about $4,500.
Within those accounts totaling 4500.. there are 2 collection accounts and 3 delinquent. He has one on there from about 7 years ago also. I am new to this myself.. I’m 20 and learning all the nooks and crannies about credit and I want to know how to he can help out his credit now. THANKS!!
Raymond
October 11, 2010
Stolen Identity? What to do?
Michael V asked:
I am a college student of age 18. I recently applied for a Citi credit card but it was rejected saying (in email)
I am a college student of age 18. I recently applied for a Citi credit card but it was rejected saying (in email)
o A garnishment, attachment, foreclosure, collection
action or judgment was recorded on your credit bureau
report.
o A delinquent credit obligation(s), either paid
or unpaid, was recorded on your credit bureau report.
They got the report from Equifax credit information service.
This confuses me for I have never once owned a credit card nor have I had to pay bills or anything of the sort that I would/could be late for.
Stolen Identity?
So I went to annualcreditreport and tried geting my report from all 3 credit bureaus
Experian says We’re sorry. We experienced a system problem and we are unable to provide your personal credit report for online viewing at this time. You may want to try again later.
Transunion has me on a page that says your order is being processed come back in 30 min (its been 6 hours).
With Equifax I get to a page that says this.
We’re sorry, for your protection we are unable to deliver your FACT Act Equifax Free Annual Credit Report on the internet. There are a number of reasons that we may be unable to fulfill your request online. You may have a Security Freeze on your credit file, an Active Duty Military or Fraud Alert, or the identification information submitted online may not match the information on file.The following link will lead you to a form that is not screen-readable at this time.
What do you think? What should I do?
One last thing, On the bottom of the Equifax report it says NOTE: If you have a Security Freeze on your file, you must include your 10 digit PIN along with the information requested above. Where can I find my 10 digit pin and what exactly is it?
Melinda
Experian Contact Number?
C S asked:
Around the first week of May I tried going to annualcreditreport.com to get my Experian CR, but after clicking the submit button I was greeted with an error stating that they could not verify my identity with the information provided. OK, no biggie I thought, so I tried calling the 1-800 number you use to get your free reports. I opted to get all 3 reports while I was on the phone. IN 9 days I had both my EQ and TU reports in the mail. On day ten I get a letter from Experian stating that I had already gotten my free report for the year, and that I was not eligible to get another one at this time!!
Around the first week of May I tried going to annualcreditreport.com to get my Experian CR, but after clicking the submit button I was greeted with an error stating that they could not verify my identity with the information provided. OK, no biggie I thought, so I tried calling the 1-800 number you use to get your free reports. I opted to get all 3 reports while I was on the phone. IN 9 days I had both my EQ and TU reports in the mail. On day ten I get a letter from Experian stating that I had already gotten my free report for the year, and that I was not eligible to get another one at this time!!
Ok, so now I go to the Experian website and try and BUY my credit report for $10.00. I put in all of my information and hit the enter button, and I’m once again greeted with the error message that my indentity could not be verified with the provided information.
I tried calling the number on last years report, but the phone prompts insist that I enter a current(as of 90 days) credit report number(which I cannot get!!) in order to proceed with the call.
This is soo frustrating as I cannot get my free report, nor can I buy my report online. I need to speak to someone at Experian so as to get this cleared up, but the phone number I’m calling is asking for a report number that I dont have, and cannot get!
I sent a letter explaining my situation to the address on last years credit report, and it has been well over 30 days now with no reply.
If anyone has an alternate phone number that I can use to call and talk with a live human being at Experian, it would be a tremendous help!
Please leave a source for all numbers, especially fax numbers. Not about to send my personal information to an unverified fax number. Thanks!
Wanda
October 2, 2010
How do I make sure all 3 agencies remove items?
J C asked:
I filed a claim against 14 creditors on my credit report through Transunion and received notice a week later that all 14 had been deleted. I ordered a new report from Transunion and sure enough, GONE! How do I make sure that Equifax and Experian do the same? Do I have to submit a request to them individually or will it be removed based on the outcome of my initial request with Transunion? Whats the least expensive way to make these changes if I have to go in an report again, I already used up my free reports for this year.
The items in question was for credit obtained when I was 14-16 years of age. Mostly 15. I am not bound by this as I was a minor and unable to enter in a contract of this nature. The credit was stolen by a step-father who is no longer in the picture.
Herbert
I filed a claim against 14 creditors on my credit report through Transunion and received notice a week later that all 14 had been deleted. I ordered a new report from Transunion and sure enough, GONE! How do I make sure that Equifax and Experian do the same? Do I have to submit a request to them individually or will it be removed based on the outcome of my initial request with Transunion? Whats the least expensive way to make these changes if I have to go in an report again, I already used up my free reports for this year.
The items in question was for credit obtained when I was 14-16 years of age. Mostly 15. I am not bound by this as I was a minor and unable to enter in a contract of this nature. The credit was stolen by a step-father who is no longer in the picture.
Herbert