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
Quizzle and Credit Karma
I signed up for Quizzle today. They offer a " CE Credit Score" From Wikipedia: Other credit consumer scores are published by third party agencies such as "Community Empower" and "Quizzle" as the CE Score. The scores reported by such agencies are NOT actual FICO scores, but approximations based on proprietary algorithms.
Categories: General Credit Tags: account-score, affiliate, consider-giving, Credit, credit-consumer, credit-karma, credit-score, liklihood, scores-reported, their-affiliate, trans, transrisk, transunion, wikipedia
Looking for the best way to approach this
I had two auto loans which were paid off June 2010 and July 2010 respectively. Equifax shows there is no remaining balance, but TransUnion is. This is 9 months after the balances have been paid! My mortage was sold to another company in October 2010. Equifax shows the new lender and current balance, TransUnion shows the old lender, but with a balance of $0. So what is the best way to approach getting TransUnion to update my information? The same thing is being shown on my ex-wife's report since we were both on all the loans.
Categories: General Credit Tags: balances, being-shown, equifax, loans, new-lender, paid-off-june, shows-the-new, shows-the-old, the-balances, trans
My credit card reports to only Equifax. How can I report to Experian and/or TransUnion?
I just graduated, moved from Alabama to Indiana and I wanted to check on my credit and perhaps get a few more credit accounts before trying to buy a house next year. I have no debt (other than some money on a credit card), I have bought my car with cash, generally, i buy everything in cash. I only have one credit card from my credit union which I found out last week only reports to Equifax (very big down in the South)
Categories: General Credit Tags: alternative, buy-everything, Credit, credit-accounts, credit-card, credit-reports, experian, south, start-building, trans, transunion
Experian Plus Score
Just pulled my EXperian plus score and it's 699!!!! Woo hoo. Sure would like to know my actual Fico score..
Categories: General Credit Tags: actual, auto-loan, experian, paid-charge, paid-judgement, plus-score, trans, until-it-falls, will-not, xperian-never
Is it safe to check my CR?
My most recent CapitalOne CC monthly statement was just updated this afternnon. I am curious to see how my new balance has improved my FICO, is it safe to order my credit score now? Also does anybody know if TransUnion score's are still relevant in Canada or is Equifax FICO the only score we now use in Canada
Categories: General Credit Tags: afternnon, capital, Credit, credit-score, equifax, fico, know-if-transunion, monthly-statement, most-recent, new-balance, now-use, see-how, trans
Credit Reports, Charge card calcs, where is the correct scoring system "place"
Hey Chaps, OK so I have the citi identity moniter credit report system that downloads my scores and reports every month for me to see. So my scores went down by approx 50 to 60 points out of nowhere in 1 month. Last month my Trans Union was 720 this month its 650 Now I got approved for 2 Amex charge cards in dec 2010 and have been using them, my history is perfect for all accounts for years as in no missed payments hence the 720 score
Categories: General Credit Tags: peasant, trans
For what it’s worth…Fako’s vs Fico’s
Did a Fico report these were the results Trans 790 Eq 798 Fako's report Trans 795 Eq 785 Ex 792 Pretty close
Categories: General Credit Tags: results, trans
Fico score vs TrueCredit Scores
I recently ordered the 3 in 1 scores from TrueCredit which is TransUnion company. The 3 scores of the credit bureaus were all higher than my MyFico score for Equifax? Which scoring do the Credit companies and banks see?
Categories: General Credit Tags: all-higher, banks-see, bureaus-were, Credit, equifax, myfico, the-credit, trans
Do Consumer Finance Accounts ever drop off your credit report
After a few years of working on trying to improve me credit, I recently pulled my two reports. Under 'Understanding Your Score' in my TransUnion report, it says that I have two CFAs that are hurting my score. Yes they are there. I had to get the loans to help get me out of this mess. They are paid in full and closed - have been for several years. I thought bad marks would eventually drop off if you kept your nose clean. Am I cursed to have these two accounts on my credit even though they were paid timely? It says some lender will look negatively on having these accounts on your credit report. Will they ever drop off? After seven years, can I ask for them to be removed, or are all lenders always going to know I had problems in the past and judge me for that past? My TransUnion score is now 722, by the way, but if lenders don't like to see them, I don't want them there.
Categories: General Credit Tags: Credit, credit-even, eventually-drop, lenders-don, loans, recently-pulled, score, seven-years, trans, transunion, two-accounts, your-credit