free 3 credit report – rating score

March 1, 2012

Q&A: paid a debt, company reports to all 3 credit bureaus by email, how long will it take to show on credit report?

Filed under: 3 Credit Report — Tags: , , , , , , , , , , — admin @ 9:04 am
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Question by Brandon: paid a debt, company reports to all 3 credit bureaus by email, how long will it take to show on credit report?
I paid this debt o’er 2 months ago and just called the people and they said it hadn’t been closed yet, so they said they closed it and will report by e-mail to the 3 credit bureaus tomorrow. I am attempt to buy a house and that is the only thing i need taken care of before i tinning get financing. So i am just curious if anyone knows roughly how long it will take for the credit bureaus to update my report.

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February 25, 2012

How can I safley order a credit report with all 3 credit scores from the 3 major credit companies?

Filed under: 3 Credit Report — Tags: , , , , , , , — admin @ 5:03 pm


Question by ♥Here I am♥: How can I safley order a credit report with all 3 credit scores from the 3 major credit companies?
Thanks!

Best answer:

Answer by src50
You can get free reports at www.annualcreditreport.com. You’ll have to pay for FICO scores.



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February 23, 2012

Is there a huge difference between a FICO credit score and the score given by the 3 credit bureaus?

Filed under: 3 Credit Score — Tags: , , , , , , , , — admin @ 8:59 am


Question by lamontsmith13: Is there a huge difference between a FICO credit score and the score given by the 3 credit bureaus?
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.

Best answer:

Answer by Dr. Deth
each agency uses a different formula probably – they should all be within 15 points of each other. It may depend on timing of when your score was calculated with each agency – probably not all done on same day – they may not ALL have the exact same info available about you and your accounts



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February 21, 2012

What are the best ways to repair a poor credit rating?

Filed under: Credit Rating — Tags: , , , , , — admin @ 12:59 am


Question by gds_ny2003: What are the best ways to repair a poor credit rating?
I’m looking to repair my poor credit rating. I owe 10k+ to various creditors. I’m married, we both have a decent paying jobs. My spouse has credit problems as well. Here are my concerns:1. Are there any immediate steps that I should take to get started?2. What is considered a “good” score to have when buying a house?3. What short term steps (6 months to 1 year period) can I take to bring my rating up to a “moderate” level?4. What long-term steps can I take to make for the future so that I do not fall back to where I am now?5. I know that some credit counselling services are predatory in nature, and actually put people into more trouble than they had to begin with. Are there any reputable credit counselling services out there (preferably non-profit)?

Best answer:

Answer by ednolb
Go check out books by Suze Orman- they will answer all your questions and stear you away from any scams. Be careful because you want a quick fix and there isn’t one.



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February 18, 2012

Do I get 3 free credit reports per CALENDAR year or a year from when I request one?

Filed under: Free 3 Credit Report — Tags: , , , , , , — admin @ 4:59 pm


Question by Brandino: Do I get3free credit reports per CALENDAR year or a year from when I request one?
If I request one of the free reports, does my number of freebies increase back to 3 once January rolls around? Thanks

Best answer:

Answer by Caveat Emptor
Not per calendar year. 12 months from the date you final received your free report.



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February 14, 2012

Q&A: Does walmart credit card report to the 3 major credit bureau every month?

Filed under: 3 Credit Report — Tags: , , , , , , , — admin @ 1:00 am


Question by azkoolchik: Does walmart credit card report to theiiimajor credit bureau every month?
If not, how often do they report to the 3 major credit bureau?

Best answer:

Answer by ibettergonow
nope – i have one and it’s not on my credit reports….strange



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February 9, 2012

Does a bad credit report rating in one country affect the crediting in another country?

Filed under: Credit Rating — Tags: , , , , , , — admin @ 9:05 am
credit rating
by NASA on The Commons


Question by : Does a bad credit report rating in one country touching the crediting in another country?
If someone has let’s say a bad credit history in Canada, could this somehow affect the credit rating in the United States? Is there such a thing as an international credit report?

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February 4, 2012

I paid my mortgage, all three credit agencies lifted my report. Is this bad?

Filed under: 3 Credit Report — Tags: , , , , , , , — admin @ 5:04 pm
3 credit report by href=”http://www.flickr.com/photos/25053835@N03/4011375750″> Smithsonian Institution

jade_blu_eyes Question : I paid my mortgage, all three assigned agencies lifted my report. Is this bad? I paid my mortgage 3 months ago. All three credit reporting agencies, it took off my reports. The payments were always made on time. It has never been late on a payment. If agencies leave this point by showing the solvency, or is it better to leave it off? I would buy a new house next year. Any advice is appreciated. Thank you! Best answer: Answer by

max
They would not have taken off. Your payment history indicates that you are a credit risk based on your good systematically paying your mortgage on time. If you are looking to buy another house when he would be good to show potential creditors of your excellent credit history with your previous mortgage.

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January 31, 2012

What determines a credit rating and what is the best score?

Filed under: Credit Rating — Tags: , , , , — admin @ 1:00 am


Question by Paxis: What determines a credit rating and what is the best score?
Also, where can I view my credit rating?

Best answer:

Answer by bdancer222
Your tallied is a complicated formula based on what shows on your credit account. You can get your free annual credit report from each of the three credit bureaus at AnnualCreditReport.com. Reports are free, scores are not.Creditors use FICO (scale 300 to 850) scores and it is a waste of money to buy any non-FICO score. The only set consumers can get real FICO hit is MyFico.com. Monitoring servcies use Fakko scores and even the three ascribe bureaus now sell consumers non-FICO scores which are a different scale and formula.CreditKarma.com offers a loosed score estimator based on your TransUnion credit report. It is not FICO but within 50 points or so. Good enough if you are just curious.By the way, if you have never had a credit card or loan, you have no credit history and your score would be .



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January 28, 2012

Where is the site for a FREE credit report. from the 3 credit bureau for the year?

Filed under: Free 3 Credit Report — Tags: , , , , , , — admin @ 5:01 pm


Question by Sandifer S: Where is the site for a FREE credit report. from the 3 credit bureau for the year?


Best answer:

Answer by Steve D
http://www.annualcreditreport.com



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