free 3 credit report – rating score

October 11, 2010

Stolen Identity? What to do?

Filed under: Credit — Tags: , , , , , , , , , , , , , , — admin @ 2:27 pm
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)

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?

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

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?

Filed under: Credit — Tags: , , , , , , — admin @ 4:08 pm
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

September 2, 2010

Free Credit Reports For All!

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 6:50 pm
Matthew Keegan asked:




Yes, it is true: free credit reports are available for you, the consumer. Thanks to an act of Congress, you can get copies of your credit reports annually. This means that Experian, Equifax, and Trans Union – the Big 3 credit reporting agencies – must furnish one free copy of your credit report to you every year. No, you can’t get your free credit reports sent to you automatically: you must take action. Let’s take a look at how you can get copies of your credit reports sent to you today.

Annual Credit Report – By visiting AnnualCreditReport.com you can sign up through the government approved site that will give to you your free credit reports. Each of the three credit reporting companies is listed therein, so select one and provide your personal information to the company of your choosing. Once your information has been verified, a report will be generated for your review. Take a close look at it: if there are errors you need to follow the company’s procedures for contesting mistakes.

Your Credit Score – Not included with your free credit reports but available for a small fee at the same time is your credit score. This is the score whereby members of the credit industry rate your creditworthiness. The higher your score, the better for you and the lower your borrowing rates will be.

Competing Sites – Some consumers prefer to pay for what otherwise are free credit reports. By signing up with companies who offer this service, you can automatically have your credit reports run and sent to you on a periodic basis. Again, you will pay a fee for something you can get for free. In any case, you will pay for your credit score no matter whose service you use.

As with any report, check your free credit reports for errors. Experian, Trans Union, and Equifax all have procedures listed outlining how you can challenge errors. Make certain that you follow their directions to have wrong information expunged from your report. It could save you money on your next credit card loan, car loan, or home mortgage.

Certainly, there aren’t many things that are absolutely free in this life. Congress has seen fit that free credit reports are offered to American consumers in all 50 states. Run each report at least once annually and check it for mistakes as they commonly occur. Who knows, but those free credit reports could reveal identity theft issues too saving you much grief and aggravation if caught in a timely fashion.

Gail

August 30, 2010

Why Should I Get My Totally Free Credit Report?

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 2:43 am
Gary Bunn asked:




Your credit file is a document that presents a complete picture of your financial situation, both past and present, and is the primary deciding factor that leads your creditors to accept or decline your applications. So you can clearly see how important your credit report is! It’s also really important that you make sure the information recorded on your report is up to date and accurate. It is estimated that 7 in every 10 credit reports requested contain an error or incorrect entry of some sort! Just imagine the effect this must be having on your applications.

Your credit report is used to decide not only if you should be approved for a credit application, but it will also affect the rate of interest you pay, and also whether you will be required to provide a deposit or guarantor. Checking your credit file can be a quick and easy task that could mean the difference between getting that next credit card, motor loan or even a mortgage, so the sooner you check your report the better!

There are 3 main companies that collect and record your details and these are known as ‘credit referencing agencies’. The major 3 are Experian, Equifax and Trans-Union. You can apply individually to these agencies who are required to provide you with a copy, however there may be a fee associated with it.

Alternatively you can get a free copy of your credit report from all three companies here. These companies also offer subscription services to protect and monitor your files, which also helps prevent identity theft, but don’t think you have to pay for this! Regular credit report checks and common sense with your personal details (such as shredding) will certainly help keep you one step ahead!

Once you have copies of your report take a few minutes read through your file and highlight any potential problems you see. Once you have a list you can contact the referencing agency and let them know your disputes, they are legally obliged to look in to these for you. It may also help to write to the company who has entered the inaccurate info.

The most important thing for you to do is to get a copy of your report and check the details! You could be very surprised at what you discover! Remember you can get a free copy of your Free Instant Credit Report here, it really won’t cost you a dime. Good luck!

Thomas

August 11, 2010

Get Your Free Credit Score and Report Online

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 7:18 pm
Thomas Eliot asked:




People working to pay off their debts to improve their credit score can use free online websites as an incentive. To get your scores online for free you can go to any number of sites which are willing to share this information with you in exchange for your sharing information with them.

Finding out about your score can assist you if you are thinking about taking on more debt, such as in buying a house or automobile. Knowing your score will tell you whether or not you need to work on improving your credit score by paying more each month, or if you can afford to relax and save some money.

Once each year, people can obtain a free credit report from each of the three main credit agencies: TransUnion, Equifax, and Experian. If you want, each report can be ordered at the same time. The credit agencies usually charge for obtaining your credit score, but this too can be obtained free from each reporting agency depending on their incentives. It’s important to know that under certain circumstances, your credit report can also be obtained for free more than once a year, such as when you are turned down on a credit application. All three of these agencies also offer other services apart from maintaining and furnishing the reports.

Some companies offer services which alert you about changes in your credit report. They offer advice about lenders and credit card companies which can help a client obtain a favorable credit score. The free offers are most often used to attract potential clients to their other services. But be aware that the free services are only in place for a limited time, and usually they are coupled with registration to other paid services in exchange for accessing your free scores. Occasionally, some banks and credit card operations will post your free credit score updates on their websites; so keep this in mind as you shop around for a credit vendor.

By law, you are entitled to one free credit report from each of the three reporting agencies once each year. In order to obtain your free report, the three credit reporting agencies can be reached at the following toll-free phone numbers and web sites:

Equifax 800-997-2493 or at equifax.com

TransUnion 800-888-4213 or at transunion.com

Experian 888-397-3742 or at experian.com

It is important to keep in mind that you should probably keep your online and other credit score inquiries to a minimum since too many inquiries within a short period of time can have an adverse effect on your ability to obtain credit. Potential creditors can regard too many inquiries within a short period of time (say 30 to 60 days) as a negative, and this can result in the refusal to extend further credit. One thing that helps in this effort is to make sure that any inquires which have been made were all authorized. If there are unauthorized inquiries, write to the credit agency and to the company that made the inquiry to inform them that you did not authorize the inquiry and to remove it from your credit file.

To get your credit score online for free there are websites where you can go and you can have the results within a few minutes. Just search on the search term “free credit score” and you will find them. To obtain your free credit reports, you must go to annualcreditreport.com You can also apply for notification with some free credit score websites so that you will know each time something changes in your credit report.

Larry

July 30, 2010

Free Government Credit Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 6:36 pm
Thomas Morva asked:




The fair credit-reporting act makes it mandatory for the three organizations (Equifax, Trans Union and Experian) to submit a credit report at least once a year to anyone who requests for the same. Typing ?annual credit report? in a search engine, which provides credit reports online and at free of cost, can give access to the appropriate online site.

A free government credit report is also available by phone or by mail and reaches the concerned person within fifteen days of requesting. The government agency that provides free credit reports is located in Atlanta (Georgia) and can be contacted via mail or telephone.

The prerequisites that are required for obtaining a free credit report are ? the person?s name, address, social security number, and date of birth. There are some other ?imposter? credit reporting companies that try to mimic the actual agency?s website by deliberately misspelling it. This is a common tactic used by companies who try to extract money from unsuspecting credit report mongers.

Under the federal law, a person is permitted to obtain a free credit report if a company takes unfavorable action against him, such as rejecting his application for credit, insurance, or employment then the person can demand a free credit report within sixty days of receiving the notice. The notice will give the name, address, and telephone number of the consumer reporting company. A person is also entitled to one free report a year if he is unemployed and plans to search for a job within 60 days if he is on welfare or if his report is inaccurate as a result of swindling, including identity theft.

A credit report can make or break a company or a person because all the financial data and history of the report holder is clearly mentioned in this report. The most important fact to be noted about a credit report is that any negative comment or remark on the report will literally leave an indelible mark on the person?s financial record. This is because a bad credit remark is not removed from a credit report for at least ten years.

Mark

July 29, 2010

What kind of loan can I get with my credit score?

Filed under: Personal Finance — Tags: , , , , , , , , , , — admin @ 10:21 am
Leo asked:


Hello,

I am leasing a car which I will have the option to buy out in March of this year. Since it’s a very good car, I’d definitely like to buy it out – The buy out is something like $8,000. I checked my credit score, and it’s about 762 with Experian and Equifax, and 777 with Transunion. The only thing is that I am currently not working, so I’m sure that “that” would come into play as well. As a small side note, I almost have enough capital to buyout the car outright, but I would like to keep my cash liquid if I can get a good rate.

1. First of all, why do I get different scores for my credit score (signed up for a free trial for one of those free report things that gives you 3 different scores)

2. Also, what kind of interest would I likely be paying here?

Thanks.
Lol wow, at first I was pissed off at how many spam answers I was getting on my question, but now I just laugh. I will report all of you spammers – please stay OFF my question!

Brent

July 6, 2010

Analyzing a Free Credit Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 3:17 pm
Clara Ghomes asked:




Credit reports of an individual are a record of all his/her past lending transactions such as borrowing money, repayments, information regarding late payments (if any) and bankruptcy. The credit rating or score is based on the credit report of an individual. These ratings help in determining the ease and difficulty with which a person would (or won’t) get credit from credit card companies, banks or any other creditors.

The US laws have allowed every person to request for a free copy of their credit report every year. It’s very beneficial to get a free report, but the opportunity could get wasted if one doesn’t know how to read them. It also could be frustrating if a person doesn’t have any clue regarding how to read or understand their credit report. Nowadays, these reports are many important with the number of identity thefts which are on a rise and regular checking of reports helps a person in dealing with any issues in the report.

A person can request his/her copy of free report from any of the credit bureaus- namely TransUnion, Equifax and Experian (or TRW). One can also go online to get a copy of their financial records. One should make a habit of checking their report every year. Also, the credit bureaus should be contacted in case of any occurrence of incorrect information in an individual’s report.

After receiving the copy, one should sit down and review the report slowly and carefully. Each line of the report should be analyzed to get all the information regarding the debts. Many documents also provide ‘key’ with which one can understand the meaning of the symbols and codes used in the report. Also, a copy of the report should be faxed to the accountant for identification of any tax implications.

Any information which doesn’t make any sense should be highlighted. One should remind themselves to search online for explanation regarding the unclarified information. Friends with adequate knowledge regarding this report can be contacted for advice. One can also try free credit counselling agencies if there is still problem in analyzing the report, why it exists and the information on the report. Also, one should immediately investigate anything that doesn’t look familiar. The information should be reviewed on a monthly basis.

There are also companies which offer services of checking credit reports and confirming information for a fee. But, going online to request free such report can help in viewing the information for free. Also, these reports don’t mention the credit rating of an individual; they just provide all the list of accounts to check that the information on the report is true and contains no errors.

Bryan

June 27, 2010

Identity theft victim cable?

Filed under: Law Enforcement & Police — Tags: , , , , , , , , , , , , — admin @ 11:21 pm
Ainhoa asked:


I printed up my free annual credit report from Experian and found 3 negative items for cable, phone, and satellite dish service. The person installed these services at their home and I reported it to our local police department. I get a call from the detective on the case who tells me that even though he has an address where the unauthorized services were installed, he can’t go to the house and charge them with anything cause he’d need someone to admit wrongdoing, which obviously won’t happen. My question is, WHAT THE HECK??? I mean, if you have an address and this person has installed services in my name, I don’t care if he/she doesn’t fess up to it! Let them know you’ve caught on and that they’re being investigated! Or not? How does this work? Why do I feel so violated, like I’m the one who did something wrong? And why does the ‘thief’ have more protection than I do?

Phyllis
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