Equifax Questions & Answers
Author: creditfaq
Author: creditfaq
Help next to Credit report?
Hello, hi users of yahoo...I am wondering, I just checked my credit score beside the three different places. With Experian, my score is 675. While with Transunion and Equifax, my mark is 565. I am somewhat confused. I am getting deined by most credit card places, and I am wondering if there are any credit card companys out there that check single the Experian credit report?Thanks...
How do I remove payment freeze sour my credit report from Equifax and transunion.?
Experian has a website that allows you to print a document which is to be filled out next to the requested info, and mailed to a specific adress. In doing so, I have manage to have the security freeze removed from Experian. The problem is that Experian have not notified TransUnion, or Equifax about the guarantee freeze being removed from my credit file, so I am still stuck, and as expected, there is absolutly no one I can hail as or speak with to help my situation. Any relief is GREATLY appreciated.
How do I speak to a REAL human being at Equifax in relation to a dispute?
My old bank that have been bought out by another bank have reported to Equifax that I owed $$. I disputed it with the old ridge but it's still on my report. The new bank say they cannot help me.All I get is the run-around from everyone I've spoken to. If anyone know how to resolve this PLEASE answer back.
How to Increase my credit mark?
My score at Equifax is 723My score at Transunion is 738My ranking at Experian is 739 Question:I plan to get a job surrounded by bank industry that require to check my credit score, how they going to total my score if my score is diffrent surrounded by 3 credit bureu. My employer require my 800 score to get a opportunitythey will get score from 3 credit bureu Question:How to Incrase my credit evaluation Currently as a positive factors are-The proportion of the balance to credit constrict is 4% (total credit limit of $18,000)Citi-$12,000American Express- $6,000-The presence of bank/national revolving credit has be estabolish-You are using relativly low balance compare to credit limit-You hold never been late Current gloomy factors is:-The lenght of time your account have been estabolish is relatively shortFirst account instigate 14 month ago- Credit Card- CitiSecond account open 3 month ago-Credit Card- American Express -I enjoy never been late beside any payment-Pay in full respectively month-no inquire (hard cover inquire) within last 24 month-no collection-no public narrative-no garnishment or other negative factors Question:It is ok to "nouns with a debt" for $5,000 and pay it beside 12 month period( with intrest) to increase my credit score? Any suggestion ,comment, response!
I be denied credit 10/5 by two firms, base on Equifax credit report, inevitability explanation of who and what for?
On the report from the denied credit firm, it only gave debt amounts from Equifax and no name. I paid off adjectives my bills at the end of 2005 and early 2006 and individual have two debts, outside the two mortgage payments. What can I do to get the info and bring my credit report updated. I can't get the free credit reports, because someone has already used my signature and they say I have already requested th "free report". I enjoy not requested that report this year. Are there any options for me/
I enjoy a liquidation from 2001 on my credit report.?
I disputed with Equifax and Transunion. Equifax removed it but Transunion didn't. Is true that if 1 bureau removes it from your file so does the other bureaus.
I have need of creditors (local to Dallas,TX or national) That approve sour of an Equifax rack up with the sole purpose...Who do you know?
I am trying to build this credit score
If I own a choice to receive a credit report/FICO ranking from merely one agency, which should I choose of the three?
Between Equifax, Transunion, or Experian?
Is status affecting my score?
I have about four lines of credit that enjoy been paid and closed.Two be student loans that I had consolidated, therefore human being paid and closed. The other two were nouns companies that I paid off and closed. However I refinanced one of the nouns companies account.Question? How can I get Equifax to devolution the current staus of each. They continually report current status as 30-69 days past due. I know that they are competent adequate to see at the far right side of the report that the accounts are closed and paid. I have disputed the current status several times beside Equifax. They will not here me as far as changing the status. Should I take this to an attorney? I believe this is slaughter my score. Is there anyone out at hand that experienced this with Equifax? I would appreciate your advice.Eddie.
Neg item on credit reports -7 yrs from untested date or date of final movement?
Hi, want to clean up credit (550 score) Do items stay on based on resourceful date or date of last activity(such as payment)? I have rewarded off all but 2 collection accts and enjoy car payment current. Have $347 debt from '04 and $1947 debt from '02. If I clear them off will it make them stay on longer? I would close to to be able to buy a house in 3-5 years. Would a secured card serve get my score high? Appreciate your help. see note from Equifax on their site - is this true? ~Equifax is one of the prime credit reporting agencies in the United States -- there are two others. Account details, which are supplied by creditors next to which you have an account, include the date the picture was opened, the credit ceiling or amount of the loan, the payment terms, the match, and a history that shows whether or not you've paid the account prompt. Closed or inactive accounts, depending on the manner within which they were paid, stay on your report for 7 to 11 years from the date of their concluding activity.
Question roughly speaking credit report?
I went through Experian and reported an error on my credit report. If said there be a "charge off" on a credit card I dont ever remember owning. I received an email from Experian today and they said this will be deleted from my credit report and it was. Does this automatically come bad my Trans Union and Equifax?? Or is this something I have to report with them as okay and have each one look into it?
What affects your credit rating negativley? Does anyone know how the point values are base?
Well, obviously I know WHAT affects it negativley -slow pay, no remuneration, being over your credit limit, etc. But, what I want to know is how do the 3 credit agencies ( TransUnion, Equifax, and ? can't have a sneaking suspicion that of the other one) put a point values up and/or down on things. For example - let's say you are late on paying your VISA card, by more than a month. So, they report as a "30 daylight past due" How does that affect your credit? Does that reporting cause your gain to go down 5 points, 40 points, etc. ? Then, what action brings the mark back up, and how many points at a time? Let's read aloud I pay off the entire stability of a credit card, then close out that account... does that lift up it up another 10 pionts, or as much as 50 pionts? How long does it take for a bad reporting to "dive off " of your credit report. I know that each time a lender "pulls" your credit report, that within itself causes your score to drop. I would appreciate audible range from anyone who actually knows FACT concerning this-thanks
What the one do when they enjoy exhausted adjectives remedies when it come to repairing credit?
I have reached the completion of my ladder when it comes to Equifax, experian and TRW as far as disputing items that aren't mine are concerned.
When trying to buy a motor what credit bureau do dealer use to gain your rack up?
I want to buy a car, but I was wondering which bureau do the dealer get your score? My Equifax ranking is 620, Experian is 650 and Transunion is 591. I want the best rate and a not so high payment.
When you bring back a credit card response unverifiable applicant information what does that expect?
I applied for a Panasonic credit card through GE Consumer Finance and got a response "unverifiable applicant information." I called Equifax.They couldn't give an account me what that was. I wrote to GE Finance with a copy to Panasonic Marketing Department, both certified correspondence. GE resent me the same letter and Panasonic never responded.This is the first time I enjoy ever been turned down for credit. What's going on?Dick
Where is the best place to dance to procure a saloon loan?
I'm 20 years old, live in southern California, I hold only had a credit history for smaller quantity then a year and I have never be late, I knwo Equifax doesnt even give me a credit rack up, cause of the "thin file". I form $1000/month (after taxes), plus some under the table babysitting money. I go to institution but only part-time. I compensate $200+/month in bills, and I'm living at home for now, but I want to move after september.
Which institution contained by Canada offer personal loans next to the best interest rate?
I'm planning to get a personal loan for about 15K over 4-5 years, which Canadian mound or institution I would have the most chance of person approved. My credit score with Equifax is around 640.
Why are my Equifax score different from different credit monitoring services?
I signed up for
www.myfico.com, Bank of America's privacy assist, and
www.privacymatters123.com today within 1/2 an hour of each other. They are adjectives showing different Equifax scores varying by about 25 points. Why is near a difference and which monitoring company should I trust is reporting the correct score? I know they change light of day to day and I know they only report a snapshot win that will not immediately update, but this information was obtain within 30 minutes. Is one company more accurate than another or are these monitoring companies just a scam?
Why is Equifax not reporting my information of credit history?
I got my first credit card in June of 2006. My payments hold never been late. Every 30 days the credit card company reports commentary status to all 3 major credit reporting agencies. Transunion and Experian both are showing my side correctly, but Equifax is not showing it at all! I had to earnings Equifax $20 for my credit report just to try to dispute it and now I draw from a bunch of crap for the customer service center. I know my credit card company is reporting my info. In fact just yesterday they did another report to Equifax and Equifax is still adage they have no record of the statement. I'm really upset over this mess and I want an investigation by FTC and possibly the Attorney General for the state for the Equifax corporate office. What would you do? What is the best way to bring immediate action?
Why is my TransUnion rack up so much lower than my other credit score?
Equifax and Experian are within 10 point of each other, but my TransUnion evaluation is 50-60 points lower.
Are the 3 agency credit score you buy at MyFico, genuine or Faco?
I am signed up for Equifax Score Watch with myfico.com. I have purchased the other 2(TransUnion and Experian) from this site. Are they an accurate picture of my credit chalk up or just estimations?
Are the 3 leading credit agencies too powerful?
Think roughly speaking this:Your entire adjectives is base on your credit score contained by by hook or by crook.- If you plan on buying a house, a saloon, or getting a loan for ANYTHING at adjectives, you will run into a credit agency at one point or another. - If you apply for a position near the management, bank and lots other businesses, your credit win will be used to in part determin whether or not you procure the chore. - If you apply to rent a space to live within, your credit gain will be used to any approve or deny you. Experion, Equifax and Trans Union necessarily run your natural life.If you own have mistakes within your olden, ones that you can no longer correct by paying them sour, you're pretty much screwed. There are law that govern how long items can remain on your credit report, but oodles family do not construe that companies can simply re-submit your information and it's rear legs to the genesis. Should these 3 companies enjoy so much power over every US citizen?
Based on this information, do you deduce I am contained by a correct position "credit wise" to buy a saloon?
I checked my credit scores yesterday and they are as follows:Equifax = 491Experian = 595TransUnion = 601I have be paying on a mortgage for a year and have never been unpunctually with the payments. I have be paying on my current auto loan for two years, and have never been unsettled with a payment. I own obtained various credit cards (approximately four) contained by the past six months or so, and have never rewarded any of them late. However, I have 21 collections on my credit report ?the majority of them are from medical bills, and most of them are a few years older. I have one large medical bill on in that for a little over $33,000. I am not sure whats pulling my Equifax credit score down so much, but any way I want to get a saloon.
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