Experian FAQ
I check my credit quarterly and I noticed tonight a collection listed from an MCI accont dating put a bet on to 2001. The Collection agency has had the details since 2004. I contacted the collection agency and while they had my correct phone number on record, the address have the wrong city. They confirmed that they have had returned communication. So, attempts to contact me have been futile. I don't own any record of them calling me either. The debt is merely for $50! It seems to have dropped my credit in the order of 70 points. First, can I be held accountable for this since they had the wrong address?? Also, I really enjoy no idea if this account is even valid. I might of have MCI for long distance for a short period of time, but, this was 5 years ago. I disputed this through Experian and I am waiting for the results. Anyone enjoy advice as to how to get this past its sell-by date my practically spotless report. Even if I pay the $50, will it increase my score or must I attempt to bring it removed for that to happen.
Contact Info for Credit Reporting Agencies?
A couple of months ago I got a free credit report from freeannualcreditreport.com, which I realized be the wrong site, after I paid for my services. There was a mistake within my credit report from a third party collection agency and they had bought a debt of mine explicitly 5 year years old, but they put the date of the debt in as 12/1/2006, when the debt be back around 2002. When I tried to go and receive my credit reports from the other companies, the sites wouldn't let me view my reports and the contact info for transunion and equifax are on the credit reports themselves. Experian which is the one where on earth I paid for services is not recognizing my vindication, and I can't view my credit info there any. Is there a chance that I'm a casualty of identity theft? Does anybody have the cell phone contacts for these companies?
Could my fiancee near a experian ranking of 685 win a perfect first time home buyers rate?
im not sure what his other scores are and hes never owned a home previously the one we currently have is within my name one and only so we were thinking of getting the subsequent mortage in his pet name and then putting me on within a few years when my score is stern up..i have a 610 near experian..are his chances polite ya think?
Could somone afford me step by step details how to terminate my experian online credit report...?
the 30 day trial is nearly over
Credit acocunts not reporting Experian?
I have 4-5 alive credit card accounts with some of the nation's prime banks which are currently person reported to Transunion & Equifax credit bureaus. But, when I checked my experian file, in attendance are none of my credit card accounts are there except for one! I contacted the credit card issuers and they told me that they are reporting to adjectives 3 bureaus. I guess the accounts which belongs to me certainly are human being reported to other person's experian reports guess. Please help me!
Credit and mortgage question, please HELP!?
Here is the point, My wife credit chalk up is better than mine, her evaluation is 683, and mine is 600, I hold no mortgage on my 3 cr(s) I enjoy lone at the moment own 3 picture on my cr #1 charge-off for 380 dollars, and closed story 4 medical bill for 147 dollars, my equ chalk up 600, trans 559, experian 549 trans and experian not reporting motor loan rewarded on-time for 14mos.never belatedly.some mortgage guy i guess told my wife that he could with the sole purpose use her information and not mine on the mortgage papers, i dont comprehend this , i only enjoy 3 accounts 1 vehicle loan compensated on-time, 1 charge-off 380, 1 medical 147, the amount of debt i owe on my report is $527 dollars i can confident foot this sour, i also only just 3 weeks ago received my unmarked cc from continential nouns and see cc, i be placed also on one of my wife cc as a auth user 4 weeks ago. oh he (mortgage guy) told my wife that i should permit my wife put everything in her signature than in the order of 8 to 9 mos next than placed my dub on adjectives of the mortgage loans,
credit bureau reporting I'm lifeless.(anyone hear of this)?
The last credit card I get was prob. around sept. '06, after oct. '06 I applied for pay buddy on e-bay. I got denied and get a letter stating the judgment why is CREDIT BUREAU REPORTS APPLICANT IS DECEASED. All the numbers I tried to call be automated and I couldn't reach anyone. Recently I applied for a home loan basically to see what my boyfriend and I could get approved for. I warn the guy that my credit report stated that before. So as expected my credit report came wager on saying like thing. Only for Experian and Equifax, not for TransUnion. I own been have problems getting ahold of someone there. I sent junk mail asking what I need to do. Finally I found a number where on earth I reached someone. They be rude at first and confussed. (imagine how I feel). Finally they said send a notorised tabloid stating that I am alive, a copy of my ID, and a electricity bill. So I am getting that done, asap. I'm just disturbed why my report says that and if this will fix it. Has anyone hear of this? It's scary
Credit bureau's and states?
I was wondering since we own 3 credit reporting agencies. If lets read aloud Experian is mainly used contained by one area (like west coast) and Transunion on the east coast and equifax contained by the midwest? Is there a adjectives trend to which where the companies is base at and which CRA they use? Or is it more like a dime toss and they basically use whomever CRA they choose?I am just asking as my credit reports swing by 71 points...and of course I would close to to use the highest one IF possible =o)
Credit card within collection?
I had a credit card budge to collections that I have since payed sour. According to the CRA's the account is soupposed to show on copy until March 07. Well this is March 07 and the account is still on story. Should I wait until April earlier I contact the CRA or should I just agree to it be? With experian the account is shown contained by good standing so I would hatred for it to drop off and next my score lowers because it will be one smaller number thing surrounded by good standing.What should I do?
Credit cards that use transunion one and only?
Is there any credit card company or mortgage company that singular uses or checks your credit with transunion? Experian reports a 55 point difference which is HUGE! Equifax is roughly 15 points lower. How about someone that excludes experian?
Credit chalk up!!?
ok i have 3 credit gain from 3 differnt companies..590 from transunion it said that it's fair, 574 from experian said it's bland and 552 from equifax said it's weak...how do i obtain it back up?? i'm gone down now but i am looking for a livelihood, i jsut graduated from college contained by december...how long does it take to be fitting again? i am so freaked out!
Credit chalk up craziness!?
I've been trying to modernize my credit score for a few months presently. Two months ago I applied for a line of credit beside my bank that I don't intend to use. My TransUnion ranking went up by 18 pts, Experian go up by 7 pts but my Equifax went down by 26 pts. No other information have changed other than the untried credit account. Then I lately corrected information which was with the sole purpose on my TransUnion report that released a tax lien that I rewarded off over a year ago. When that happen, my TransUnion score go down by 5 pts while my Experian went up by 2 pts and Equifax remained matching. I'm trying to find a pattern but they adjectives seem to be inconsistent even beside each other. Experian is the solitary one that makes sense to me. I don't think through why Equifax would lower my score 26 pts when I hold more credit available to me and why TransUnion would lower my score by 5 pts. after I showed that a levy lien was compensated off. Can anyone create any sense out of this??
Credit chalk up hurt due to low card borders?
My Experian credit report tells me:---Having low credit confines on your accounts and loans is lowering your score. Having a soaring amount of credit is a positive factor because it indicates to lenders that other creditors have trusted you by lend you money in former times. However, since your major credit card confines are generally low, lenders may come up with you don鈥檛 have plenty experience with giant limits. I own never had a unsettled payment and own no outstanding debt beside my mortgage, which has other been salaried on time. I also own NEVER taken out above 30% of the credit limit at any given time. I also hold 3 credit cards, one with a $1200 goal, one with a $2000 parameter and a platinum card with a $2500 contain. My current credit score have leveled off at 737 but I want to arrive at the 770+ mark. Should I close my $1200 keep a tight rein on card to boost my score? Or...almost what magic amount of credit vein ($5000+?!) will take the low credit plague rotten my report?