Experian FAQ

Credit report ask?
I am in the process of fixing the accounts on my credit report. It is not discouraging but it is not good any. My question is how do I take Experian to update an account that be a paid chargeoff?I own disputed it, sent letters, talk to the original company and they sent junk mail also to Experian and none of this worked. Is this one of those things that will stay for seven years even though it is paid?

credit report is not showing my other depts beside collection agencies?
I just did a free credit report with eqifax and experian and its not showing adjectives the depts I owe. I owe collection agencies for Washington Mutual, Bank of America, & Ebay a total of 600.00 all together. These were from a few years ago. Do I still enjoy to pay? Most of the agencies stopped calling me.

Credit Report Question?
There was a disputed $74 item on my credit report from posterior in 2001. It be removed and now it is showing rear on my credit report again. It has greatly reduced my ranking. I worked very rugged to bring my score up.I am disputing it through experian, again. Are collection agencies alowed to remove an item and after put it back contained by for collections, after it was disputed? And what can I do to hold it removed?Also, is there anyway to remove credit inquiries from companies I didn't seize approved from my report to help bring my ranking back up a bit?

Credit Report Question?
I'm looking at my credit report right now, I enjoy a negative item on my report from a credit card article I opened within 2001, it was completely remunerated off by 2002, but on my credit report from experian its showing a concluding reported date in 2004. Negative items concluding up to 7 years, is this going to be on there till subsequent year or taken off within 2011?

Credit report question?
I just considered necessary to see if anyone can help me near some things on my report, and also throw some useful counsel my way. I enjoy had a devotion with Experian so i try to stay resting on my report and i knwo thats the first step, but maybe i can seize help next to what certain things expect and if they help or hurt my win.My "percentage of credit available" is 60.53%. (is that good, whats a honest percentage and what does it mean).I have 10 "Satisfactory accounts"I own 0 "Now delinquent/derogatory accounts"I have 3 "Was delinquent/derogatory accounts"I own 0 "Public records"I have 6 "number of inquiries"$1559 contained by "revolving debt"$1081 in "installment debt"$0 surrounded by "other debt" & collection debt"$0 in "solid estate debt"Can i have a an explanation of these things, are they angelic, would i change some, incorporate to them or take away from them.PS-Do Online credit accounts, approaching PayPal and Bill Me Later report and reflect on your credit report resembling a Card, can they hurt my score.

Credit report question--accounts contained by right standing?
Two weeks ago, I applied for a new credit card and am still waiting to see if I own been approved. I a moment ago now checked my experian credit report and the report very soon lists the card I applied for as an explanation in upright standing. Does this mean I've be approved for the card?

Credit Reports?
I need to achieve an 800 number for Experian and the other credit bureaus because they have adjectives the incorrect information on my credit report. Please advise.

Credit reports?
i recently view my credit report from exquifax and i noticed that the alien car i brought is not reported in attendance. it is reported at experian, but not equifax. I got surrounded by contact with my loan company and they said that they with the sole purpose report to experian, is there anything i can do to achieve my account reported to exquifax?

Credit Reports?
I viewed my free credit report online from Experian. I know I can still request a free credit report from the other 2 companies this year also (TransUnion and Equifax), but would prefer to space them out throughout the year to attitude changes and updates. My sound out is will there be a difference surrounded by the reports? I know the 3 may give me a different credit chalk up, but will all my accounts near the amounts I owe be consistent? Thanks.

Credit Score?
I have 3 different credit score from 3 different websites. Which one is right? The first one is from my capital one credit card, a free service they provide, the second is from creditinform.com, a subscription provided through a different one of my credit cards, and the third evaluation is from freecreditreport.com, which is directly experian. So which one is accurate?

Credit Score?
Hi All!I had a sudden question.....my husband and I own a Providian Visa credit card and on the website after I log in below my account at hand is a section to be precise from FICO, and this is what it says:FICO(R) Credit Score Last updated: Apr 2007Source: TransUnion It say our credit score is 735. I be wondering how legit FICO is....and if this is a pretty good estimate of what our credit mark would be if it was pulled by a chief credit bureau (such as Alliance credit that pulls from Equifax, Experian and TransUnion all together). I am wondering this because my husband and I are within the process of starting to get pre-qualified for a home loan, and I didn't want to verbs credit beforehand to check my scores and consequently have the company verbs it AGAIN when they check them. I don't want too many inquiries, especially until that time we buy a home. Thanks!! :)

Credit score?
Does anyone know why when you order your own credit report from Experian, Equifax, Transunion, score always differ (they are higher)to those ordered by mortgage companies and auto dilerships? I know they typically use Tribureaus repaort but still score should be the same. I pulled mine but the service that I use and it showed 740, but duplicate bureau reported to my lender 784? Any ideas?

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 Score different between truecredit.com and Credit Agencies?
I was checking my credit history and enjoy subscribed to truecredit.com, which gives you the information of adjectives 3 credit bureaus. I checked my credit score and be delighted to find my credit mark was contained by "good" standing for Experian. Has I was checking other credit report bureaus information website I notice that the credit score that the win that truecredit.com gave me be sooooo different from the Experian website, not by 10 or 20 but by 40, I think specifically a big difference. Which one of these companies should I think have the more accurate credit score? And if so, is this also true for the 2 other agencies. Does anyone enjoy any experience in this concern, if so please help!!

Credit Score Dilemma?
I stay on top of all 3 of my credit report score monthly. Equifax is constantly 80 pts less than Trans Union and Experian. Looking at the credit reports I see no real difference on the 3 of them. Does anybody know why this would be the crust? Why does Equifax suck. I'd like some info or atleast a contact number or email address where I can ask them.

Credit Score Help?
My score contained by Dec was 708It dropped surrounded by January and February...to 579 on equifax (a bit higher surrounded by experian?)In January I had open 2 new credit cards and maxed them to almost 90%. Also I have a collection due...for 50$.In March I paid bad much of my debt...and I now have say 7-8% on respectively card.total debt currently is around 750$I also paid sour the collection amount. (Was this a right move?)I was hoping to see my ranking jump up a bit. but the hot equifax has not changed my mark. Only experian has changed it to 598 (I am assumign it be a bit higher consequently 579 on experian in Feb.)What should I do to increse my mark?Will taking out a loan for car installment assist?I have no other debt than the 750$.my current saloon is already paid for...I did some really impossible mistakes :(Any ideas/suggestions...I will take them adjectivesThanks

Credit Score Question?
I received my PLUS Score from Experian and it was 741. Is this virtuous? If so how good? Just curious. Thanks for your backing.

Credit score: Why does everything own to be so clandestine?
THis question be inspired by another poster's question give or take a few credit, and I guess its really aimed at people working surrounded by the lending institutions or those who know a bit bit about it. I really want to know why firms will not explain to you why you have be refused credit for something. i hold often be told that my credit score is too low for enduring storecards but the providers will never tell me why. Instead they refer me to Experian or whoever, but even when I refer to the credit report, I dont really know exactly why it is low. I own no CCJs, have never be bankrupt, I am on the electoral roll. I enjoy a credit card which I alsways pay rotten in full, put aside for a couple of occassions when I accidentally paid overdue. I DO understand that previous residents at my address may affect my chalk up, blah blah, but what I really want to know is why cant stores/lenders give SPECIFIC reason for their refusal rather than me have to guess?

Credit Scored Dropped?
I subscribe to TrueCredit and noticed yesterday that my "score" dropped 24 points within one month. Three accounts be removed from the credit report; however, these were negative listings. The solitary other thing that has changed is that I presently owe less on all my other debts. Also, because of these accounts person removed, on my Equifax report it went up 14 points and Experian stayed the same. Is this average for entries over seven years? (is it just me or is anyone else beginning to believe that these credit reporting agencies are a bunch of scam artists too.)For all my effort within trying to clean up my credit report, it seems that the more I repay off, or have denial items deleted, the worse my credit score is becomming.Is here anything else I should be doing to improve my credit score that would increase it instead of making it ease?

Credit Scores?
Why are the credit scores reported by the three credit bureaus (Equifax, Experian and Trans Union) higher when requested by the individual credit holder, but lower to a potential lender who "pulls your credit."

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 Scoring?
What credit scoring systems do transunion, equifax, and experian use?

Credit scoring!!?
This have probably be asked past but I'm too sluggish to do any research... sorry!!Anyway, credit scoring I looked at mine the other morning on Experian and it stood at 805 out of 1000. Is this any accurate?I've notice its gone up fairly a bit over the second couple of months from roughly 740 at the closing stages of April... which is great.I be purely wondering how rushed the evaluation go up if your really worthy.I currently hold two sandbank accs (one thats never used - no transactions since opened), and one near an alive overdraft facility, does this affect the credit mark within any instrument??Also, I have a few credit checks merely in the past christmas ending year, how long does it pilfer until these do not affect my credit evaluation? if contained by certainty they do still affect my credit win.I'm asking because I smoothly want to reorganize the win.Thanks.John.

Credit Union checked my credit report and it said one entry. I lately checked it at home at it said another.?
I was denied a loan based on things on my credit report. The balance were correct, but some late payments be on there that were not correct. I go on Experian, checked my credit report and my score is almost 100 points higher than the credit federation had and the late payments I needed to dispute weren't on at hand. I saw the report at the credit union, and it was Experian, so why is it different? It have been about 2 weeks since I saw the credit league copy, but not much has changed since then, so what is up next to that?Also, A friend gave me a card as an authorized user on one of his accounts and that is on my credit report. They don't enjoy my information because it is not my account, why is it on there?

Credit Union getting different credit gain?
I am looking to get a coup 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

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