Tag Archives: Experian

Why would my credit report look good on Equifax and not Experian?

by UA Archives | Upper Arlington History Question by Perry Althea: Why would my credit report look good on Equifax and not Experian?My credit reports looks good for one agency.I have a loan in really good standing that is being … Continue reading

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Free Copy of My Credit Report

Christopher Wright asked: So, you’re ready to begin straightening out your credit. The first step is to obtain your credit reports from all three major bureaus. Equifax, Transunion, and Experian. The good news is that all three have coloberated to … Continue reading

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How Does My Credit Report Affect Me?

Laura Palmieri asked: Think about applying for another credit card. Think about applying for a line of credit. Think about a mortgage for a house, or buying a new car, or even certain jobs you may want to work at. … Continue reading

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Who Has Access to My Credit Report?

Don O'Malley asked: From the day you are eligible to own your first credit card, credit referencing agencies such as Experian and Trans Union start to collect information on your financial history. This information goes into making your personal credit … Continue reading

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Why I Need a Free Copy of My Credit Report

Tiffany Nelson asked: I’m almost out of school and looking ahead into the future. Right now I don’t have a car or mortgage loan, but I plan to have both in the next few years. Building good credit takes time, … Continue reading

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Cleaning Up Negative Marks on My Credit Report

Tony Banks asked: Cleaning up marks on your credit report is one of the most important ways to strengthen your overall credit rating. Negative entries can come in the form of late payments, charge-offs, collection accounts and bankruptcies to name … Continue reading

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Using an Individual Taxpayer Number (ITIN) To Build Credit

Andrea Stiles Pullas asked: What is an ITIN? An ITIN is assigned by the Internal Revenue Service (IRS) to individuals who are not eligible for a Social Security Number (SSN) but have earned taxable income. You can apply for an … Continue reading

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Which Credit Bureau Should I Use To Check My Credit Report?

Beth Pardue asked: There are three main credit bureaus in the United States; Equifax, Experian and Trans Union. Each bureau collects your personal and financial information which is then sold to lenders such as banks, credit unions, credit card companies, … Continue reading

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Why Should I Get My Totally Free Credit Report?

Gary Bunn asked: Your credit file is a document that presents a complete picture of your financial situation, both past and present, and is the primary deciding factor that leads your creditors to accept or decline your applications. So you … Continue reading

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What does it mean when something gets deleted from your credit report?

Cheyenne asked: I recently disputed some negative things on my credit report. Experian sent me a letter that they were deleted. Does this mean that they can no longer be seen by possible creditors or would they still show up? … Continue reading

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Credit Repair – Who Else Wants Over 50 Items Deleted From Their Credit Reports?

Chad Nicely asked: What could of possibly happened to have a score that low? How about 25 adverse accounts. Were talking everything from collections, liens, charge-off’s. You name it, I was hit! I tried to buy a car, got turned … Continue reading

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How Can I Order All Three of My Credit Reports and Verify Credit Status?

Bart Newman asked: Importance of Credit ReportEvery single American citizen are entitled to acquiring a copy of their free annual credit report, thus “how can I order all three of my credit reports” is one of the commonly asked questions … Continue reading

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How To Write Letters To Remove Information Off Your Credit Report

Tim Gorman asked: Many people who look into their reports find that their credit information has errors and those errors usually affect your credit negatively.Maintaining an accurate score sometimes requires us to be pro-active, and we must write letters to … Continue reading

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How To Dispute Your Credit Report Information

Lisa Carey asked: Errors on your credit report may take a variety of forms from simple spelling errors or no new address reported to fraudulent uses of your credit to obtain financing for purchases. There are two different ways to … Continue reading

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Where to Get Your Free Annual Credit Report

Tisha Kulak asked: All consumers are entitled to a free credit report every 12 months. Some states, including Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont have state laws that make residents eligible for a free credit report under … Continue reading

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What Exactly Do you Get in a Free Credit Report ?

Mike Clover asked: In this article we will discuss the misconception of free credit reports. There are lots of advertisements out there saying get your free credit report. But what exactly does a free credit report come with? I have … Continue reading

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Credit Reports And What To Do With Them

Debbie Dragon asked: There are three major credit reporting agencies within the United States: Equifax, TransUnion and Experian. These are the organizations that lenders go through to verify potential borrowers credit worthiness.Federal Law indicates that individuals are able to receive … Continue reading

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How long does it take for your credit report to get update?

sweetnsassy asked: I paid off a credit card and thought my score would go up. But every time I check my credit report (experian only) my score is the same. It shows my old balance on the card. I paid … Continue reading

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How To Prevent Errors on Your Credit Report

Liz Roberts asked: Whenever somebody applies for credit or financing, his or her credit report will be pulled electronically from any of the three major consumer reporting agencies (CRA). These CRAs are Experian, Trans Union, or Equifax – companies that … Continue reading

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