Credit Inform…offered by Capital One.
Is the credit score provided by Credit Inform a FAKO or FICO? The score is based on your Experian Report.
Categories: General Credit Tags: Credit, credit-inform, experian, fako, fako-or-fico, fico, score-provided, the-credit
Concern about score change
Hello friends I have a concern about a collection account from AT&T dated back from 2007 that I paid today 4/27/11. First this account was reported to all 3 bureaus but I disputed it and it was removed from Equifax and transunion but not Experian.
Categories: General Credit Tags: account, balance, bureaus-as-paid, collection, current-scores, equifax, experian, Internet, Payment, resurfaces, services, transunion
How long will inquiries appear on my report?
Hi Everyone, I was just curious as to the length of time a new credit inquiry (I believe this is known as a hard pull) remains on your report? I had applied for credit quite a few times last year but I can't find any of them on my reports. I applied for a BOA card (denied), Amex (approved), VS (approved), Bloomingdales (approved), Amex Blue (denied), and then Neiman Marcus card early this year (denied)
Categories: General Credit Tags: bloomingdales, experian, Length, months-or-were, neiman, neiman-marcus, only-inquiry, report, reports, these-inquires, these-pulls, your-report
Experian and Quizzle
Is the Quizzle score for Experian a FICO score? I purchased my Experian score on their website last week it was 675 Vantage score
Categories: General Credit Tags: experian, fico, last-week, Morning, quizzle, same-thing, their-website, thing-on-quizzle, vantage
Thanks to myFico…
I have been reading and following the advice on this board since January of 2009. Back in April of 2008 I finalized an unfortunate divorce. I've always valued my credit scores and was taught well by my parents to be wise with your money, so even through that process I didn't get into credit problems. Or so I thought. I didn't know there was anything wrong until I sat down with a mortgage company in January of 2009 to try and buy a home to restart my life. What I found out was that my credit was a disaster. I litterally took off work the next day to figure out what was going on. I signed up to use the Experian CreditCheck Monitoring through my bank (USAA) and found out what was wrong. My ex-wife had missed 9 months of mortgage payments on the house she decided to keep with my name on it, and also without my permission used my name and SS to co-sign with her on a car, which she had repossesed about 6 months after purchasing it. My scores the lender pulled were EX-570, TU-571 and EQ 573. It was embarrasing thinking all was well and I'm ready to buy and they look at me like I planned on stealing the house from them! I tried to go through every thing I could, calling the bank, car loan company, attorney general's office, and more to try and get it remedied with no luck. So I figured if I were going to make anything happen, it would just be hard work. And I started then with regular dispute letters and GW to the creditors. Lot's of rejection and seemingly no luck. I was following advice of the members here and being encouraged by the stories I was reading, but it just didn't seem to be going anywhere. In February of 2009 I met the most amazing woman and we married in January of 2010. At that time we decided we were going to start the process of getting things to a place where we could buy our own home. Her payment history was flawless, she just had 50k in student loans and 97% utilization of her credit cards. At the time we had (together) 11 credit cards, all basically out from the move and wedding. But I was determined to provide my wife and family the home we deserve and not be crippled by our my credit
Categories: General Credit Tags: Bank, Credit, experian, experian-credit, house, monitoring, student-loans, TIME, wife
Rental History on Credit Report
I just read some articles that Experian started adding positive rental history to consumer CR in Dec 2010. Has anyone seen this
Categories: General Credit Tags: experian, positive-rental, some-articles, started-adding
I "think" my credit union gives me my Experian score
Not for sure if it is fico or plus though. Probably will call later. Bellco Credit Union in CO
Categories: General Credit Tags: bellco-credit, Credit, credit-score, credit-union, experian, fico-or-plus
credit scoring
Hi all. I have a quick question I am hoping someone can throw some logic into. I monitor my credit and pulled all three reports with scores today.
Categories: Mortgage Tags: Credit, credit-scoring, customer service line, equifax, experian, from-the-others, Gap, hoping-someone, logic, quick-question, some-logic, Thanks In Advance, three-reports, transunion
Silly Experian…
So this morning, I disputed some incorrect personal information that was being reported on my Experian: Some funky variation of my name, addresses I never lived at, telephone numbers from 7 years ago, employers I no longer worked for. I just received an email stating that my results were ready (wow that was quick!)
Categories: General Credit Tags: being-reported, deleted, experian, funky-variation, goes-as-well, longer-worked, not-necessary, results, security, social, social-security, updated, updated-credit
Question about OLD AmEx closed account falling off my EX report
I have an old AmEx CC opened in (1991) closed by me and paid in full. Its going to be falling off my Experian report in the next few days, I have an open (current) AmEx from 1981 on my report, so at least the open AmEx is older so I hope it wont hurt my Length of history as bad. I have a 6.9 year history now BTW
Categories: General Credit Tags: aaoa, account, actually-help, been-disputing, experian, history-as-bad, hope-it-wont, least-the-open, Length, reports