Equifax – Fraudulent Address Back on my report
Hi all, I'd love to know how this happend....I cleared it up with Experian a while ago....a fraudulent address was on my credit report, somewhere in the ghetto of Philly - something to do with when my wallet was stolen, had carried my social security card and dl in it, another story; in anycase, I got the address off of the Experian Credit report, and many others.... There is NO doubt in my mind that this ghetto address belongs to the same thieves that stole my wallet...no doubt.
Categories: General Credit Tags: address-belongs, another-story, credit-report, current-address, doubt in my mind, equifax, equifax-report, experian credit report, former-address, ghetto, happend, Mobile, mobile-number, no doubt, social security card, Wallet
Same lates being reported by different entities?
Hi, First off I just started working on repairing my credit and want to thank this forum for already providing some invaluable information.
Categories: General Credit Tags: account, account-before, actuality, actuality-yet, another-entity, Credit, credit-card, credit-report, entities, equifax, late-payments, lists-the-same, looks-identical, metaindigo, Relationship, should-proceed, some-invaluable, Thanks In Advance, usb one
New Mortgage Question?
I was just approved for a mortgage with an 6.75 interest rate.
It is an FHA loan. I am a vet so using a VA loan is an option for me. My monthly payment will be 1,023 a month. I am a first time home buyer and I think that is steep. My fico scores arent that great but they arent terrible either. I just want to know, should I go with the FHA? Shop around for a better interest rate or go with a VA Loan. The loan was for 130,000
Equifax-645
Trans Union- 657
Experian- 675
Categories: Mortgage Tags: equifax, fha loan, fico-scores, first time home, first time home buyer, interest-rate, mortgage question, new-mortgage, time home buyer, trans-union
What is a smart amount to borrow for a mortgage based on my income?
My wife and I make $ 80,000 between us. We only have one car payment and it is $ 500/month. I have no other loans or credit card debt. My credit is an 805 Equifax and 762 Transunion.
I am also aware of the ratio calculators but I am not looking to borrow the maximum amount and overextend myself. Does anyone know of any other calculators that are more conservative
Categories: Mortgage Tags: calculators, car-payment, credit card debt, credit debt, credit equifax, equifax, loans, Mortgage, smart, transunion
Is it possible for a mortgage loan to show up on one credit report and not another?
I am worried about possible identity theft. When I recently tried to view my 3 credit reports, I was able to view two of them, which were perfectly fine. When I tried to view the third one (Equifax) it asked me a security question about my mortgage loan, where I got the loan and how much I am paying for the loan. I don’t have a mortgage loan, so I selected N/A on both questions. It denied me the report saying that I answered the question wrong. So now I am freaking out, thinking there is a mortgage loan on my Equifax report that I am unable to view! What do I do??
Categories: Mortgage Tags: credit-report, credit-reports, equifax, equifax-report, identity-theft, mortgage-loan, security question
Myfico vs Trans & EQ inquries discrepancy..
So today i checked myifco trans and equifax reports from this site. It shows i have 9 inquries from Trans and 4 from EQ,but here is the weird thing i pulled my report from Trans website it says i got 21 inquiries(hard pulls) and also From Equifax it shows (14 hard pulls) ...how is that possible?
Categories: General Credit Tags: checked-myifco, equifax, equifax-it-shows, equifax-reports, hard-pulls, Missing Something, report, the-weird, trans, website-it-says, weird
Categories: General Credit Tags: equifax, equifax-com, fico-score, myfico-com, scores, scoring-works, someone-make
Equifax Credit Freeze
Hello everyone! :) I currently have a credit freeze on my Equifax. I wanted to join Alliance CU, but they called and said they needed it to be unfrozen. I called into Equifax and went through the automated system. (I couldn't, for the life of me, get a hold of a real person.) The automated system wouldn't allow me to unfreeze it. It said I may have to mail my request in. @#$#@#$ Anyone know how I can unfreeze this?
Categories: General Credit Tags: alliance, automated, credit-freeze, equifax, Life, live-person, request
Trouble removing a collection as promised
I learned something today I wanted to tell about, for other's in my boat...I got a collection last year (they billed wrong address) and by the time I found out, my score had plummeted (689 to 610). Of course I found out while trying to get a mortgage, after bragging about my post-bankrutcy "high" score! So, upon paying the collection agency (or "CA") the minute I found out (January), they promised to fully delete ( they were actually very nice)
Categories: General Credit Tags: actually-very, after-bragging, agreement, bottom line, collection-last, credit reporting agencies, eq, equifax, evil ones, high score, investigations, letters, poof, removed-right, results, shoes, three credit reporting agencies, TIME, wrong-address
Personal loan from wells fargo
I have 4 small credit cards, one at $300 limit, $700, $1500 , $1500. I have no personal loan and my credit score is at 630 equifax . I have paid all my balance down to $0.
Categories: General Credit Tags: already-paying, already-removed, because-economy, been-the-same, credit-card, credit-cards, credit-score, Economy, equifax, everything-down, fico-simulator, gf, installment loan, limit-increase, paying-on-time, personal-loan, score, score-increase, scoreto, wells-fargo