Equifax Q&a
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I woould approaching to know where on earth I can win a more detailed report of my credit .i would approaching to know how i can?
contact the three credit reporting companies,Equifax,Experian,transunion.I have solitary the credit monatoring trport from my bank,Wells Fargo.Any suggestions,thinking?
If a copy of unproved non-attendance make out cant be provided...?
Can they still slap the default on ur file? According to Equifax they dont hold to provide any details, or any copies of the original default spy to do so, yet on some forums i have read, some articulate that unless they can provide this, they cannot put a default on ur file , i am lasting i never received one before and was kinda shocked to see it on my credit report
In a quandry, what to do?
This departed week, my husband and I discovered that my husband brother have be working on cleaning up his credit. Here is the catcher, adjectives of the derogatories that be on the brother's credit adjectives of the sudden turned up on my husband's credit along next to adjectives of the aliases the brother used and the brother's address and the brother's business. I spent several hours going over my husband's credit report and highlighted adjectives the items that belonged to the brother and wrote a memo to Equifax (the solely bureau where on earth this is happening) asking that the items be removed right now. I also included a copy of my husband's birth cert., ssn card, driver's license and a copy of a recent bill near our mail address. We enjoy this awareness that the brother have disputed and told Equifax that adjectives these items be my husband's only just so he could seize his gain raise with alacrity. He informed us that he get an email from Equifax clich¨¦ his credit have be repaired. He is also trying to buy a house.
Incorrect info on my credit report.?
I paid off a doomed to failure debt in december. Exp and TUC shows collection or reposeesion account closed $0 stability.However Equifax shows that I am currently 120 days late with a $0 dollar be a foil for reported 4/2008. I called the agency reporting it and they said they would change it to closed, will it still show that i be 120 days late? Do i need to report a dispute with Equifax?
Is my FICO gain any fitting?
I'm 20 right now, and I just checked my Equifax and my FICO gain is 701. I've had 1 credit card for a year now and i enjoy another credit card i just got a few months ago. I'm currently a student at University and I own student loans. Is there any advice within approving my FICO score? And is 701 a good credit evaluation for my age and how new i am to the credit world lol?
My credit ranking is 614 near Transunion, 610 next to Experian, & 591 near Equifax.?
Is this considered fair or discouraging credit
My Experian Credit Score is 644, my Equifax is 617. Which one is right?
I am getting married soon. My fiance and I have about duplicate credit scores. Which one is right for mine? Also, will it be hard to capture a loan for mortage with our credit scores range 600-660?
Paid the collection/ how long to delete from credit report ?
How long it takes for Equifax to update my report .? Collection agency agreed to Delete my item once payment is cleared, basically wanted to know how long will take.
Question just about credit report, what's the difference between.?
TransUnion, Equifax and Eperian? I checked my score with adjectives three and each one gave me a different # one be 686 725 and 738! Thanks
What are the genuine credit score?
I checked my credit score on MYFICO.com since I applied for a loan. My gain be 676. When I applied for a loan, I be approved because the clerk told me that I have a especially giant credit mark. When I go to the organization, I asked for my FICO evaluation, and she said it be 721. She said that the company uses Equifax, matching company I used to check my FICO evaluation formerly applying. Why are score different? What are the actual credit score lenders use?
What can I do here to bring to the fore my credit ranking?
Scores: Transunion 524/Equifax 554/Experian 495Inquiries: TU: 28/EQ: 19/ EX: 34Accounts: Ashley Furniture (Joint) - Opened 7/2006, Balance - $266, Reported Late 30 Days: TU: 5/EQ: 1/EX: 1. High Balance 821.23. Payment $34 for 24 monthsConn's Appliance/TV (Individual) - Opened 4/2007, Balance - $1,254, Reported Late 30 Days: TU: 2/EQ: 2/EX: 2. High Balance: 1,484. Payment $41 for 36 monthsSecurity Service FCU (Individual Loan) - Opened 10/2005, Balance - $0, Reported Late 30 Days. TU: 0/EQ: 2/EX: 2, Late 90 Days: TU: 0/EQ: 1/EX: 2. High Balance $367. Charged off. 04/2007: Charge rotten Recovery Paid in FullCollection Accts:Wachovia Bank: $457 - Not Paid - Transunion/Experion OnlyBank of America: $776 - Not Paid - All 3 AgenciesDish Network: $41 - Paid - Experian/Equifax OnlyAT&T: $374 - Not Paid - Equifax OnlyT-Mobile: $493 - Not Paid - All 3 Reporting AgenciesAs you can see my duty loss really threw me off on my credit. Thankfully I get a job beside FedEx and
What is the usual employment length that coup¨¦ loan companies look for?
I need to return with a car for work. I enjoy been working constituent time (31 Hours weekly (a) $9.30 p/h) at FedEx Kinko's for about a month very soon and all I'm looking for is a used sports car around $7-9,000. At the moment I can't really wait to store the cash, besides I inevitability to improve my credit big time. My score are 515, 526, 480 (Experian, Equifax, Transunion).Should I save $1,200.00 for a down donation? I did find a car yesterday (2001 Honda Civic) for 7,999 at a local Honda peddler. Where do I stand?
What is your Credit chalk up?
according to Equifax my FICO credit score is 665 which they consider "good" but just almost not good because the "good" range is from 660-724They say aloud my FICO score is better than 31 %of US Consumers. 1st: Is FICO score and Credit rack up the same things? Or Different?& what are your credit/FICO scores? newly curious where I stand.
What thoughtful of interest rate will I acquire?
I am thinking about trading in my Jeep (that is salaried for) on a truck. Doesn't need to be brand new could be used. My credit ranking is 660 with both Trans & Exper. Its a 680 with Equifax. What sort of finance rate will I be looking at.
Where can I find out which companies verbs which credit report (Trans Union, Equifax, Experian)?
I have a big disparity in my score on the three reports (1 is wildly inaccurate and I am within the process of contesting), would like to get credit, but don't want a company that will check the incorrect report and deny me. Thanks!
Which bank and credit union contained by Canada (BC) verbs solely Equifax credit report?
Could you please help me I have apposite report with Equifax and not so good near TransUnion and I would like to apply for couple of lines of credit but I am not sure which banks verbs only Equifax?Thank you
Which credit reporting company score unmatched?
I not long discovered that you can find one free credit report from respectively of the three companies for free respectively year. I get my TransUnion one and my credit mark be 651. Is this any appropriate?Also which of three agencies across the world rack up you high? Would Experian or Equifax be difficult or lower than my 651 from TrasUnion?
Why do two of my credit score move about up but not Experian?
Thanks to keeping my balance low and making appropriate payments, both Transunion and Equifax score own be going up other (IT CAN BE DONE!). Experian, though, have be moving MUCH slower (if at all). The solitary difference between Experian and transunion on my report is the number of credit checks that enjoy be done, but that number is virtually one and the same between Experian and Equifax.Any insight would be much appreciated!
Why does a lease vehicle that be totaled & remunerated surrounded by full by insurance show derogatory on my credit report?
I recently had a vehicle that be leased and totaled. It was compensated in full by the insurance company and Equifax and Experian show it on my credit report as Closed(Paid) but TransUnion shows it as Derogatory. Why is this and should I look into this further with TransUnion? Is it negatively affecting my credit ranking?
Why is this credit chalk up not highly developed (see details)?
According to the information below, (1) the only object that I do not have a superlative credit score is because of one inquiry, and (2) my gain is 68 points below perfect. A single inquiry should not affect a chalk up by 68 points. Why is the score not highly developed?"The Following Records are Based on Your [my] Equifax Credit Profile"No Public Records Found No Collection Items Found 4 Revolving credit cards, credit limits from $9000 to over $40000, and 1 utility company narrative. All 5 "Account Status: Pays account as agreed", no delinquencies. Combined go together less than $500.1 Inquiry.3 address (1 current and 2 former)."on a scale of 350 to 850 points, you enjoy a score of: 782" "You hold never been deferred with your payments, and no collection accounts or cynical public records are timetabled..."Average credit limit over $17000.Using "1%" of available credit.Only fact list under "top factor that lower your score:" is"applied for credit 1 time(s) within the past 12 months".
Why Two Different Credit Reports From Equifax?
I received a credit report recently that I did not request. It has solitary one account on it and about 12 inquiries. I sent a dispute memorandum back in convoy to correct the inaccurate addresses and I received a full credit report afterwards. Two weeks ago I received a partial one again as forstated. The reports are from Equifax. I would resembling to know if anyone has experienced getting two different credit reports even after disputing with a CRA?
How can you take your credit win for free beside out it person a scam?
I heard you can grasp it done once a year for free. But where do I step? and dose it include all 3 of the principal credit places- Experian, Equifax, and TransUnion?
How do I know whats wrong beside my credit?
I am 19 years old and I haev tried to bring back some credit facilities since I be 18. I decided to acquire a copy of my credit file because I hold been refuse credit. But the funny thing is, I get 3 credit reports from 3 of the top reference agencies (Call credit, Equifax, Experian) and in attendance is nothing unenthusiastic on my credit file, No CCJ's, nil from CIFAS, no insolvenvies, no bankrupcies, no missed payments and I have busy accounts, So what the hell is wrong?I've been told it's my age and I should try and become credit helpful but how do I do that if I am being refuse credit all the time?
I woould approaching to know where on earth I can win a more detailed report of my credit .i would approaching to know how i can?
contact the three credit reporting companies,Equifax,Experian,transunion.I have solitary the credit monatoring trport from my bank,Wells Fargo.Any suggestions,thinking?
If a copy of unproved non-attendance make out cant be provided...?
Can they still slap the default on ur file? According to Equifax they dont hold to provide any details, or any copies of the original default spy to do so, yet on some forums i have read, some articulate that unless they can provide this, they cannot put a default on ur file , i am lasting i never received one before and was kinda shocked to see it on my credit report
In a quandry, what to do?
This departed week, my husband and I discovered that my husband brother have be working on cleaning up his credit. Here is the catcher, adjectives of the derogatories that be on the brother's credit adjectives of the sudden turned up on my husband's credit along next to adjectives of the aliases the brother used and the brother's address and the brother's business. I spent several hours going over my husband's credit report and highlighted adjectives the items that belonged to the brother and wrote a memo to Equifax (the solely bureau where on earth this is happening) asking that the items be removed right now. I also included a copy of my husband's birth cert., ssn card, driver's license and a copy of a recent bill near our mail address. We enjoy this awareness that the brother have disputed and told Equifax that adjectives these items be my husband's only just so he could seize his gain raise with alacrity. He informed us that he get an email from Equifax clich¨¦ his credit have be repaired. He is also trying to buy a house.
Incorrect info on my credit report.?
I paid off a doomed to failure debt in december. Exp and TUC shows collection or reposeesion account closed $0 stability.However Equifax shows that I am currently 120 days late with a $0 dollar be a foil for reported 4/2008. I called the agency reporting it and they said they would change it to closed, will it still show that i be 120 days late? Do i need to report a dispute with Equifax?
Is my FICO gain any fitting?
I'm 20 right now, and I just checked my Equifax and my FICO gain is 701. I've had 1 credit card for a year now and i enjoy another credit card i just got a few months ago. I'm currently a student at University and I own student loans. Is there any advice within approving my FICO score? And is 701 a good credit evaluation for my age and how new i am to the credit world lol?
My credit ranking is 614 near Transunion, 610 next to Experian, & 591 near Equifax.?
Is this considered fair or discouraging credit
My Experian Credit Score is 644, my Equifax is 617. Which one is right?
I am getting married soon. My fiance and I have about duplicate credit scores. Which one is right for mine? Also, will it be hard to capture a loan for mortage with our credit scores range 600-660?
Paid the collection/ how long to delete from credit report ?
How long it takes for Equifax to update my report .? Collection agency agreed to Delete my item once payment is cleared, basically wanted to know how long will take.
Question just about credit report, what's the difference between.?
TransUnion, Equifax and Eperian? I checked my score with adjectives three and each one gave me a different # one be 686 725 and 738! Thanks
What are the genuine credit score?
I checked my credit score on MYFICO.com since I applied for a loan. My gain be 676. When I applied for a loan, I be approved because the clerk told me that I have a especially giant credit mark. When I go to the organization, I asked for my FICO evaluation, and she said it be 721. She said that the company uses Equifax, matching company I used to check my FICO evaluation formerly applying. Why are score different? What are the actual credit score lenders use?
What can I do here to bring to the fore my credit ranking?
Scores: Transunion 524/Equifax 554/Experian 495Inquiries: TU: 28/EQ: 19/ EX: 34Accounts: Ashley Furniture (Joint) - Opened 7/2006, Balance - $266, Reported Late 30 Days: TU: 5/EQ: 1/EX: 1. High Balance 821.23. Payment $34 for 24 monthsConn's Appliance/TV (Individual) - Opened 4/2007, Balance - $1,254, Reported Late 30 Days: TU: 2/EQ: 2/EX: 2. High Balance: 1,484. Payment $41 for 36 monthsSecurity Service FCU (Individual Loan) - Opened 10/2005, Balance - $0, Reported Late 30 Days. TU: 0/EQ: 2/EX: 2, Late 90 Days: TU: 0/EQ: 1/EX: 2. High Balance $367. Charged off. 04/2007: Charge rotten Recovery Paid in FullCollection Accts:Wachovia Bank: $457 - Not Paid - Transunion/Experion OnlyBank of America: $776 - Not Paid - All 3 AgenciesDish Network: $41 - Paid - Experian/Equifax OnlyAT&T: $374 - Not Paid - Equifax OnlyT-Mobile: $493 - Not Paid - All 3 Reporting AgenciesAs you can see my duty loss really threw me off on my credit. Thankfully I get a job beside FedEx and
What is the usual employment length that coup¨¦ loan companies look for?
I need to return with a car for work. I enjoy been working constituent time (31 Hours weekly (a) $9.30 p/h) at FedEx Kinko's for about a month very soon and all I'm looking for is a used sports car around $7-9,000. At the moment I can't really wait to store the cash, besides I inevitability to improve my credit big time. My score are 515, 526, 480 (Experian, Equifax, Transunion).Should I save $1,200.00 for a down donation? I did find a car yesterday (2001 Honda Civic) for 7,999 at a local Honda peddler. Where do I stand?
What is your Credit chalk up?
according to Equifax my FICO credit score is 665 which they consider "good" but just almost not good because the "good" range is from 660-724They say aloud my FICO score is better than 31 %of US Consumers. 1st: Is FICO score and Credit rack up the same things? Or Different?& what are your credit/FICO scores? newly curious where I stand.
What thoughtful of interest rate will I acquire?
I am thinking about trading in my Jeep (that is salaried for) on a truck. Doesn't need to be brand new could be used. My credit ranking is 660 with both Trans & Exper. Its a 680 with Equifax. What sort of finance rate will I be looking at.
Where can I find out which companies verbs which credit report (Trans Union, Equifax, Experian)?
I have a big disparity in my score on the three reports (1 is wildly inaccurate and I am within the process of contesting), would like to get credit, but don't want a company that will check the incorrect report and deny me. Thanks!
Which bank and credit union contained by Canada (BC) verbs solely Equifax credit report?
Could you please help me I have apposite report with Equifax and not so good near TransUnion and I would like to apply for couple of lines of credit but I am not sure which banks verbs only Equifax?Thank you
Which credit reporting company score unmatched?
I not long discovered that you can find one free credit report from respectively of the three companies for free respectively year. I get my TransUnion one and my credit mark be 651. Is this any appropriate?Also which of three agencies across the world rack up you high? Would Experian or Equifax be difficult or lower than my 651 from TrasUnion?
Why do two of my credit score move about up but not Experian?
Thanks to keeping my balance low and making appropriate payments, both Transunion and Equifax score own be going up other (IT CAN BE DONE!). Experian, though, have be moving MUCH slower (if at all). The solitary difference between Experian and transunion on my report is the number of credit checks that enjoy be done, but that number is virtually one and the same between Experian and Equifax.Any insight would be much appreciated!
Why does a lease vehicle that be totaled & remunerated surrounded by full by insurance show derogatory on my credit report?
I recently had a vehicle that be leased and totaled. It was compensated in full by the insurance company and Equifax and Experian show it on my credit report as Closed(Paid) but TransUnion shows it as Derogatory. Why is this and should I look into this further with TransUnion? Is it negatively affecting my credit ranking?
Why is this credit chalk up not highly developed (see details)?
According to the information below, (1) the only object that I do not have a superlative credit score is because of one inquiry, and (2) my gain is 68 points below perfect. A single inquiry should not affect a chalk up by 68 points. Why is the score not highly developed?"The Following Records are Based on Your [my] Equifax Credit Profile"No Public Records Found No Collection Items Found 4 Revolving credit cards, credit limits from $9000 to over $40000, and 1 utility company narrative. All 5 "Account Status: Pays account as agreed", no delinquencies. Combined go together less than $500.1 Inquiry.3 address (1 current and 2 former)."on a scale of 350 to 850 points, you enjoy a score of: 782" "You hold never been deferred with your payments, and no collection accounts or cynical public records are timetabled..."Average credit limit over $17000.Using "1%" of available credit.Only fact list under "top factor that lower your score:" is"applied for credit 1 time(s) within the past 12 months".
Why Two Different Credit Reports From Equifax?
I received a credit report recently that I did not request. It has solitary one account on it and about 12 inquiries. I sent a dispute memorandum back in convoy to correct the inaccurate addresses and I received a full credit report afterwards. Two weeks ago I received a partial one again as forstated. The reports are from Equifax. I would resembling to know if anyone has experienced getting two different credit reports even after disputing with a CRA?
How can you take your credit win for free beside out it person a scam?
I heard you can grasp it done once a year for free. But where do I step? and dose it include all 3 of the principal credit places- Experian, Equifax, and TransUnion?
How do I know whats wrong beside my credit?
I am 19 years old and I haev tried to bring back some credit facilities since I be 18. I decided to acquire a copy of my credit file because I hold been refuse credit. But the funny thing is, I get 3 credit reports from 3 of the top reference agencies (Call credit, Equifax, Experian) and in attendance is nothing unenthusiastic on my credit file, No CCJ's, nil from CIFAS, no insolvenvies, no bankrupcies, no missed payments and I have busy accounts, So what the hell is wrong?I've been told it's my age and I should try and become credit helpful but how do I do that if I am being refuse credit all the time?
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