Archive for the ‘Credit’ Category

Can Your credit score be different when appling for different types of loans?

Chris L asked: I know my credit score, but recently went car shopping and the finance manager pulled up my report that showed my scores were 80 points below what the 3 credit bureaus list it as on my report – She went on to explain that the scores vary based on what type of [...]

Another question about my co workers credit report?

redhairedmama75 asked: As I mentioned in my previous question I am helping a co worker with her credit. One of the collection agencies refuses to send her proof that the debt is hers but one of the 3 bureaus is considering it verified. The only thing she has gotten from the collection agency is a [...]

Are there any credit score/report reporting sites that AREN’T affiliated with one of the 3 bureaus?

D-Pac asked: Freecreditreport is from Experian…exampleCraig

Placed credit freeze at all 3 bureaus. Local/Regional credit reseller must obey?

Kenny L asked: If I place a credit freeze with the 3 major bureaus, can the local/regional resellers still issue/grant credit reports and scores? Or if the freeze is in place at the major bureaus – credit file is LOCKED and file not provided to reseller? I read somewhere that most states have “exceptions” and [...]

were rebuilding our credit after theft?

mamanana9 asked: as of today we managed to get a vehicle financed that is being reported to all 3 credit bureaus and also fixing to get a credit card and need iideas for a 3 line of credit to rebuild our credit.was told by home finance compay that after paying on 3 accounts for 3 [...]

Do Judgments Always Show Up On Your Credit Report?

MikeD asked: If not all 3, then at least one of the credit bureaus should show a judgment if you have them right? I can’t call the county court to find out, the clerk says they charge 5 dollars everytime to do that.Elsie

How Do You Go About Finding Out What is on Your Credit Report so That You Can Fix it?

~Susakins Makoozakins~ asked: Ok I know there are 3 credit bureaus. What I really need to know is where to start or what to do to fix it? My score I know (in 2000) was over 750 but now it’s way low. (bankruptcy and all) Another question would be – if I had a collection [...]

Who thinks the 3 credit reporting company’s have to much power? And. should be stripped of that power?

mystacall asked: 7 years is just too damn long to answer to some power you can’t even see. I really think the credit bureaus need to go bye bye…and the 7 year b/s has to go too. 1 hour ago – 3 days left to answer. Additional Details 1 hour ago It should be ONE [...]

Credit Freeze Frustration?

jdotson200 asked: I have recently been notified that a freeze was placed on my credit back in November of 2007. I did not place the freeze, and was never aware of this taking place. I’ve never needed or used credit until recently in January when I went to purchase a car. My father co-signed for [...]

Would it be possible to request positive cell phone bill payment history to be reported to the credit bureaus?

dd74 asked: Would it be possible to request positive cell phone bill payment history to be reported to the 3 major credit bureaus to improve credit score? For 6 months straight, I have been paying my $85 a month cell phone bill on time. I read somewhere that for a fee we can have positive [...]