Full File Disclosure from Credit Bureaus
Sorry if this question has been asked. Do we get a full file disclosure when we pull our reports directly from the Big Three? The reason I asked is because various industry experts maintain that information that is removed due to CRTP still remains at the bureau but is not included when we pull our reports
Categories: General Credit Tags: bureaus, from-the-big, full-background, impression, lenders-request, prospective, question, reports, saw-evrything, the-impression
ChexSystems Consumer Score
I pull my ChexSystems report annually along wth my bureaus, and this year, thought I'd get my ChexSystems Consumer Score this year as well. My ChexSystems report is clean, and my score came back as "9999"....it says that the score range is "000 - 999" Either the report had a typo with an extra "9", or....well, I don't know. Actually, don't really know how much, if any, stock to put into all of this. Thoughts?
Categories: General Credit Tags: bureaus, chexsystems, consumer, really-know, report, score, score-came, score-range, the-report, thoughts, Year, year-as-well
Stupid Question Re: Feb. 28 Short Month/30 Day Late?
I've been in a difficult, though barely manageable financial position the last year or so. My mortgage payment with Flagstar is due the 1st of every month and I've been "late" every month, but always pay it prior to it being 30 days late
Categories: General Credit Tags: around-26-29, bureaus, Credit, credit-every, derogatory-late, Mortgage, never-reported, paying-late, since-february
This site is a waste of $
What are we paying for here?! I paid $30.00 for 2 of the 3 credit scores and a "glance" at derogatorys on my acct. I now will have to contact the bureaus to get the real information needed to clean up my report. In no way was this site helpfull to me.
Categories: General Credit Tags: acct, bureaus, credit-scores, real, real-information, report
Plan for Credit Reports?
I purchased Suze Orman's Fico Kit Platinum. So I"m using that to get 3 reports total (from EQ/TU) over time. Plus FICO scores for these.
Categories: General Credit Tags: bureaus, credit-report, fico, find-the-most, format-differ, get-additional, monitoring, periodic-scores, reports, reports-total, single, styles, trial
CRA’s Personal Info. Dispute Outcome
So, I opted-out and then went to all 3 Bureaus and disputed out-dated/wrong personal info.
Categories: General Credit Tags: bureaus, confirmation, cra, equifax, equifax online dispute, experian, Guess, hardest, investigation, online-dispute, outcome-states, personal-info, quick-pleasant, surprise, then-went, transunion, users-before, wrong-personal
Providian C/O – Need Help
Hey everyone, I have an old C/O with providian that took place back in 12/03. It was originally with Providian and then eventually ended up with Chase. The C/O was for a disputed charge, but was never cleared up.
Categories: General Credit Tags: after-following, bureaus, chase, chase-freedom, Credit, credit-score, disputed-charge, either-update, freedom card, goodwill, goodwill-letter, hey everyone, look-as-good, never-cleared, providian, purchasing a new home, reporting, shoes, the-reporting, update
What time of the month do most companies update info to the bureaus?
I recently bought an engagement ring from Jared's (yes, I went to Jared's) at the cost of $12,000.00. After making two payments at $1,045 each, I paid the remaining balance about a week ago. Along with that payoff, I paid off all credit balances. However, upon running my credit report tonight, it knocks me for using a lot of my available revolving credit. My score was 684 and 704 through Equifax and TransUnion. I am used to them being around 760-780. So, I am really disappointed. To top it off, I am under contract for a new home and need to secure financing soon. However, I want to wait until the payoffs show up on my credit reports, so I can qualify for potentially a better interest rate. So, my question is how long should I wait to ensure that the bureaus have the most current information? Would March 1st be ok or should I wait longer? I would greatly appreciate any feedback!!
Categories: General Credit Tags: better-interest, bureaus, Credit, credit-report, credit-reports, current information, engagement-ring, equifax, interest-rate, jared, payoffs, question, recently-bought, revolving credit, time of the month, under-contract
When do the credit bureaus report to myFICO?
So here's my question. I subscribe to myFICO, which I love
Categories: General Credit Tags: 31st, 31st of january, actually-report, applying for a mortgage, bureaus, credit bureaus report, credit cards report, credit-cards, credit-report, creditors, creditors report, from-the-time, new-balance, question, seeing-it-yet, the-bureaus, timeframe, transunion credit, truecredit