Adding positive results to a credit report?
I have several loans reported to TransUnion but not Experian or Equifax. How can I bring these reported to Experian or Equifax. I contacted the bank and be told TransUnion should report to the other two. Is this true? If not how can I personally carry the info added. If needed, I'm willing to reimburse a small fee. Although, I'm guessing I can do it for free. Isn't this considered undue reporting practices?

Can I completely dissolve a credit card I a moment ago signed up for?
I have recovering credit (which is the ''good'' rating very soon as far as Experian Equifax, and Transunion are concerned). I only enjoy two credit cards and decided to stir for one more. I signed up for a First Premier Platinum that I get in the communication. I haven't gotten my card and it's been 3 weeks. I call and they told me to wait two more days and my first reimbursement was due on the 16th of this month. (they charge you $179 contained by activation fees on sign up for the $500 card).I've read nothing but complaints and horror stories NONSTOP roughly First Premier. Being that it's been smaller amount than 30 days and I haven't received, activated, or used my card, can I retract this account beside minimal damage to my credit history? Will it be mostly for the inquiry or will it show and clear and closed account as capably? And if so, would that open/closed account hurt my win?

Can you hold debts within collection if they don't appear on your credit reports??
I have a company trying to collect a debt of approximately $10K from when I be in college a few years ago and they voice that they are collecting on behalf of the college. I have be looking through my Equifax and Experian credit reports and neither one shows any sort of mention of this debt or the name of the company trying to collect the debt. I enjoy gotten notices from this company and they appear legit ( http://www.windhampros.com/), but it seem weird to me that at hand is no mention of this debt on the 2 reports. Now to the questions ... if it is not on these reports, it shouldn't affect me if I apply for other credit or alter my credit win, right? I may need to bring a car loan soon as mine is on the channel out unfortunately. Also, how can I check out the legitimacy of this debt if it's not on my credit report?? Any info would be greatly apprecated!

Credit check a foreign customer?
I want to be able to credit check any unsullied customers applying for credit, How would I do this? I have search on websites like Experian and Equifax but see no ways to interested an account for such a temper.

Credit Score Building - No Score on Transunion?
Hi,I have a Score of 730 on Experian and 743 on Equifax But nought on TransUnion. Few Questions : How do I go in the order of getting rating on Transunion. ? How can I go around improving my evaluation. ? On my Credit Summary, I have 0 lower than all these items for the 3 bureau Experian / Equifax / Transunion: REAL ESTATE ACCOUNTS: INSTALLMENT ACCOUNTS: OTHER ACCOUNTS: COLLECTION ACCOUNTS: ACCOUNTS SUMMARY: Open Accounts: 1 1 0Closed Accounts: 0 0 0Public Records: 0 0 0Inquiries: 5 1 1On My Account History : Account Name: WELLS FARGO BANK Account Number: XXXXXXX Acct Type: Credit Card - Revolving Terms Acct Status: Open Monthly Payment: Date Open: 1/1/2007Balance: $0.00 Terms: Revolving High Balance: Limit: $4,000.00 Past Due: Payment Status: CurrentComments:CREDIT CARDNot much history. What should be my subsequent step to build up fast. Thank you.

Credit Scores equal beside different companies?
I checked my credit report and score within June 2005 with Equifax and freshly now (January 2007) next to TransUnion. While websites explicitly state that credit reports may differ among these companies, I can't find anything on the credit scores. Are those similar? For example, suppose I rate a 650 with TransUnion simply now; would it be around that same number if I checked next to Equifax or Experian?

Credit Union getting different credit gain?
I am looking to get a coupé loan from my credit union. The strange entity was that the credit alliance got highly developed scores than when I pulled my own credit report from both Equifax and Experian. I pulled my report the sunshine after the credit union did. Was wondering if the credit association uses a different type of "score" when pulling for a car loan.Thanks contained by advance.LC

Disputed Item, delted on single one Credit Bureau, what roughly speaking the other 2?
I recently have a negative charge-off that I rewarded in full removed from Equifax. I did not dispute this item w/ Trans Union or Experian because I didn't want my mark to go process down by disputing items, so i only contacted Equifax. The compensated charge-off has be deleted from Equifax and in a minute I think it is just fair that TU and Experian remove this derogitory item as okay as I am trying to obtain a mortgage and this is notably affecting my score. Once this get removed, my Equifax score go up over 100 points. If i Dispute this with the other 2 chief bureaus, can the colleciton agency come back and enunciate that they won't delete it from the TU and Experian? Why would they remove it from one bureau and not the other 2, can this happen, or since it is delete from Equifax, the other 2 bureaus have to report matching thing? I don't want to ruin my probability and want to take watchfulness of this matter the best channel possible. Let me know if anyone has any suggestion! Thanks!

Do I call for a devotion near the credit agencies to dispute any unpromising credit items by e-mail.?
Do I need a bias with Experian, Equifax, and Transunion to know how to dispute credit by mail?

Do loan underwriters hold the right to contact your creditors directly ?
Or, are they required to rely on credit reporting such as Transunion, Equifax, or Experian score reporting? I would also similar to to know if an underwriter contacts your creditor directly must s/he notify you verbally or contained by writing? Thanks!

Does anyone know any lend company within Nashville,Tn.?
That bases their loans on the TransUnion credit score? Of the three credit scores I own TransUnion is the best. It is higher than Experian and Equifax. I am trying to gain a loan to start a small business and I'm having problems. I hold already been to Prosper.com and they own their own system of scoring. When they got through they have my Experian score(which is the one they use) down to 520. That's crazy! They were pretty much a final resort for me but then I realize my TransUnion score is 700.I am getting the reaction that not many lenders use that one though. HELP!

Equifax Score and Experian Score Vary by a immense amount...Is it majority?
In 2006, I paid over $10,000 to different creditors to settle out my credit card debt. I in a minute have 7 gloomy items on my credit report, and 3 positive ones (1 cc that has never be late, and 2 student loans). I do get that it will take time to rearrange my credit score but couple of things i looked-for to ask:1. My Equifax score is 57 points superior than my Experian score...is that usual? although both are not good.2. I am hoping to buy a condo within 2-3 years from now. Would my chalk up rise if i keep making payments in good time to my student loans, and buy like groceries etc on my unscrew credit card and pay it stale in full respectively month?3. I am also considering a Secured Credit Card. How would another entry into my credit report affect my credit score?

Financial Woes?
First of all, I'm a junior within college. I'm clueless about finances. I own three high interest rate credit cards. One have a $1500 limit, and I own about $1200 on it. One have a $500 limit, and I hold about $400 on it. Another have a $300 limit, and I own about $200 on it. Most of this is due to medical bills. I know that medical bills are a priority to money off, so I'd a bit pay a monthly credit card bill than failure to pay on those. I've never been behind on a credit payment. My credit rack up with Equifax is 625. I'm trying to my financial situation. My mother told me to apply for a bunch of lower interest rate credit cards and later transfer my symmetry to it and close my other credit cards, but I'm finding out that looks bad beside so many inquiries into my credit and near closing my credit card accounts that have be open the longest. I'm really confused. I don't know what to do. Advice?

Format contained by which to write a credit bureau just about credit they don't hold?
Someone said I should write to Equifax and Experien and tell them more or less a car loan that I hold that is tabled on my Trans Union report, but not those two. Is there a specific address I call for to write to get them to both register the loans and what should the letter read aloud? (Name of account and narrative number, balance.) Should I update anythign else they might enjoy incorrect? (Equifax has nil correct.) And actually Tran Union have my old work place of approaching 6 years ago, should i have them metamorphose that too? Thanks!

Help beside possible errors on credit report?
I just pulled my credit report from Equifax, and in that are a few things wrong with it and I am looking for the best bearing to proceed. 1.) there are some accounts that I hold balances on them and they are open (these are credit cards) and the credit limit shows on the report as $0, is this a problem? I would contemplate so since it shows a balance against a zilch limit. 2.) A couple of accounts hold been closed for a few years very soon but everytime I pull a report within is always a recent date reported schedule, for instance these two accounts show up in the closed statement section of my report but the reported date our 07/2007 even though they have be closed for a few years. one of these accounts shows 60 day unpunctually payment surrounded by 2001 so with the updated report status this will be on my report much longer than it should be. How should I step about fixing these errors? Thanks

Help!! my spotless credit is at risk?
I have a $2500 collecton acount that's agenda to hit Equifax bureau at the end of this month. i just this minute check my credit score and it's currently 729 beside Equifax. I can't afford to pay for the collection since i'm no longer working a full-time errand.the collection agency doesn't want to work with me. they maintain threating me that they're going to sue me and damage my credit. what should i do? how can i advoid my rack up from being destabilized? does this mean i will own bad credit, once collection portrayal hit my credit? i do want to pay this item. I don't enjoy the money as of now. is their anyone or anything out near that could prevent this from happening?

Here is portion of an email I received today. Can anyone update me if this is authentic?
Hillis v. Equifax Consumer Services, Inc. and Fair Isaac Corp., Case No. 1:04-CV-3400 (USDC, ND GA) and Slack v. Fair Isaac Corp. and MyFICO Consumer Services, Inc., Case No. 1:07-CV-314 (USDC, ND GA)A FEDERAL COURT ORDERED THIS NOTICE. THIS IS NOT A SOLICITATION FROM A LAWYER. THIS IS NOT A SOLICITATION FROM Equifax OR FAIR ISAAC TO PURCHASE ANYTHING.PLEASE READ.You may be eligible to receive a benefit from a class action settlement if you purchased, salaried for and received a credit score or credit monitoring offering from an Equifax website (Equifax.com), Equifax entity, Fair Isaac website (myFICO.com) or a reseller of the Suze Orman FICO(R) Kit between November 19, 1999 and February 8, 2007.

How can I find out how dated an sketch on my credit report is?
I pulled my credit report from all three bureaus today. On Equifax nearby is an account planned for a collection agency and all the information it list is that is surrounded by an open explanation, the high go together, past due amount and that the information is 120 days past due. Then I notice on all three reports here is an account that be for a credit card I opened within May of 1997. I vaguely remember this but the depiction is listed as closed and I believe I default on (youthful mistake!). My question is this - how can I find out if the two accounts are related? And how can I determine how long they own been on my report?

How can I find out what credit ranking is needed to rent a sports car?
I was told by the those at Hertz to call Equifax, but unless you are a branch of theirs, you can't get a direct chain. Someone please help!

How can you speak about which Agency someone will check your credit next to? Experian, TransUnion or Equifax?
Checking up on my credit, and so far, I was solitary able to access Equifax for my credit report. It be better than I thought, but it's quite without a doubt not all 3 of the big reporting agencies. Since I individual have my Equifax info, I'd prefer individual applying to Equifax-using credit providers. Any suggestions? Thank you!

How do I receive affiliate links near Equifax,Transunion,and Experian?
I would like to know how to capture authorization to set up affiliate links with the three most important credit bureaus. I have my own credit repair company and be wanting to know how to have it where on earth my clients can link to a credit agency and verbs their credit reports. I know that there is an affiliate program but I keep hold of getting conflicting info on how they work. When I call the agencies to net sure that this is possible I do not get a hail as back. But I see other credit repair agencies use this same method on their sites and one of them even told me that they bring back paid for every party they refer. I just want my business to work and so far it's doing upright. I have a few clients that are relaxed, but I want to improve the service of my website. By the process before you regard as being me or my company, get to know us. We are not out here taking anyone's money. My clients know right up front back they employ me that they own the ability to try and repair their credit themselves.

I am unknown contained by Canada. I own a house beneath mortgage next to Scotiabank. The house title belongs to me.?
I don't have any credit cards of my own. My credit cards are adjectives supplementary cards from my husband. I have 3 cohesive bank accounts near my husband. We have never have any trouble paying our bill. I have once applied for a credit card and get rejected due to the fact that I am spanking new here and I do not have any income to support my credit card. I hold recently received a duty offer that requires credit check. My quiz is since I do not much of credit history and got rejected for credit card, will I own any problem for credit check? Will the company reject me for any reason? I hold ordered my credit report with Equifax, which showed my mortgage Scotiabank. That's adjectives it showed. I asked for my credit score, but they said that the information is not available. I inevitability this job inadequately. Anything I can do about it? Any counsel? Thank you.

I necessitate aid near Credit Report Problems. Account status is shown incorrectly?
On my credit report one of my accounts is reported as pays 31-60 days late. This vindication was 30 days postponed in 2003 but be caught up and constantly remunerated on time for 12 months after that until it be paid and closed. I disputed the current status (as it be paid on the dot and closed in mar 2004) and Bank Of America come back stating that they could report that I pay envelope 31-60 days as the "current status" because I was slow for a payment. Equifax have been no abet because they said they can only dance by what the company reports. Someone please help. I own no problem with the behind time payment, I know that I rewarded it late, but I basically need to capture the account status correct.

if i want to dispute deeply of information on my credit report, is within a time limit to record a dispute to Equifax ?
for example, if i want to dispute 10 items, is that too much??

Increasing credit score- How do I be in motion give or take a few it?
I would like to increase my credit mark to buy a house. My credit history is as follows My current score is 574.Filed bk within 2002. Since then I enjoy had 3 auto loans, which hold been rewarded on time for the most cog. I did have a credit card but it go over the limit. I settled for smaller number than the actual amount due to get rid of it. I also hold several medical bills in collections. I intend to settle up them all bad within the subsequent few months. I know that the necessarily won't remove the account from my credit report but what wording should I ask that they give to the account. Is it best to salary the original creditor and work as if I did not know it went to collections? Also, how do I step about getting information added to a credit report? My ridge reports to TransUnion, how do I get the information added to Experian and Equifax. I want possible lenders to obtain a complete picture. Hope I provided enough information. Thanks contained by advance for adjectives and any help.

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