Credit monitoring service
Hey guys, Apologies if this is the wrong forum but I just had a question. In light of the Playstation network debacle (Hackers have stolen millions of users personal information and possible credit card info), I would really like to sign up for some credit monitor service that keeps an eye on my reports. I'm afraid that with the recent breach in Sony's database, some fool is buying my personal info on the internet
Categories: General Credit Tags: credit-card, credit-monitor, network-debacle, Personal, personal-info, playstation, recent-breach, reports, users-personal
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
When are items that are scheduled to delete actually get deleted on EQ, TU and EX?
Hey Guys!! New to posting.. I have 2 items scheduled to be deleted 4/2011.
Categories: General Credit Tags: beginning-or-end, get-deleted, greatly-appreciated, items, items-scheduled, month, new-score, reports, the-items
Mortgage Inquiries Impact
Hey ya'll, I have 5, 5, & 4 IQ's on my reports. 4 on each are from my mortgage I got last December. They range from Feb 2010. through Dec 2010(just before closing). I am a rebuilder and I would like to know if this is considered too may inquiries to apply? I currently have Orchard $400, Kay $1800, and Macy's $1200 (before their changes)
Categories: General Credit Tags: 2010-through, 385k, after-closing, considered-too, may-inquiries, Money, mortage, Mortgage, orchard, reports
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
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
Question about Credit Score
I have a question, I have a 697 Fico score with Trans Union and only a two year AAOA history, I have two closed CC accounts from back in 2003 and 3 CC accounts I opened last year and 1 charge card I opened as well last year. The only reason I mention Trans Union is to keep it simple.....Well anyway, my Father has the Optima Amex which was opened in 1984 and with a 17,000 limit which he is adding me as an authorized user.
Categories: General Credit Tags: credit-bureaus, father, keep-it-simple, optima-amex, question, reports
Credco Hard Pulled 10 Times!
Hi Guys, To say I am furious is an understatement. I'm purchasing a property so recently I applied with just 2 mortgage brokers. Credco has pulled my reports a total of 10 times between all 3 CRA's THIS MONTH
Categories: General Credit Tags: cra, credco, happened, hard guys, inquiries, inquiries-won, month, mortgage brokers, multiple-mortgage, reports, times-between, understatement
To unfreeze or not to unfreeze……
Greetings all. I currently have all three credit reports frozen after one of my creditors experienced a security breach
Categories: General Credit Tags: all-three, card-since, chase, credit-reports, creditors, fully-prepared, jut-thought, reports, throw-it-out
Oldest Account Question
One of my oldest accounts will be falling off my reports this year. This account is over 10 years old
Categories: General Credit Tags: account, account-falls, average, average-age, Credit, credit-history, equifax, equifax-report, oldest-accounts, reports, using-credit, will-afffect, will-happen, Year