Equifax Questions & Answers

Disputing Equifaz credit report?
So I checked my credit report yesterday and Equifax had duplicates of equal accts from 1 credit card that I have (there be 4 on there when in attendance should be one), 2 sallie mae loans when there should one and only be 1; one is a duplicate, as well as 2 US dept of nurture loans when there should individual be one. I want to dispute this tomorrow with the company to hold all of the duplicates erased..how do I jump about doing this the right course?I would love to hear a response from someone who has have to do this before1

Disputing items next to Equifax and they are individual opening smaller amount than cooperative?
Over 60 days ago I disputing several items that are not mine on my Equifax credit report. I know for a fact theese items should come rotten as they are not mine and were delete off of transunion and experian in need a problem.At this point I have not be updated as to what is going on.I have tried order a copy of my updated report and they won't allow me to do so (even if I pay for it).I own called them and adjectives they say is "You will be updated once the results of the investigation become available"Again it have been very well over 60 days.By any chance to I hold ANY rights here at all?

Does anyone use Life Lock or any other identity embezzlement insurance company?
My husband is convinced that we need to catch this. It costs $110 per person per year, and from what I reap, all they do is contact Experian, Transunion and Equifax and detail them that you suspect you might be at risk for identity theft. They provide these companies near 2 phone numbers provided by you. Then if something happens & your identity get stolen, it's your responsibility to call Lifelock & relay them. If you don't, they won't go to bat for you. If you do everything they relate you to do, they will pay for the legalized fees to get your credit straightened out, up to $1,000,000, but they don't reimburse any lost money. Is my caring correct? If not, what am I missing?Wouldn't it be better to contact the 3 credit companies and put a security freeze on our credit? Yes, it's a hassle if we in actuality want credit, but then not a soul can get credit surrounded by our name, time. No hassles near laywers and ID theft insurance, because not a soul can get through to the credit companies.

Does checking your credit win, through organization resembling Equifax, affect your credit within any means of access?
I often resembling to see how my credit is doing by doing credit checks through Equifax once every couple months. I just wanna know if this is a apt idea contained by terms of my credit rack up?Also - I have applied for several other credit cards as all right as a line of credit through varied banks contained by the last year. I would similar to to know at what point is too many applications. I if truth be told haven't been approved for any but, I assume it's solitary because of my limited credit history. I get my first credit card about a 18 months ago. So, any thinking and suggestions, as well as some answers to those few question would be great! Thanks!

Equifax credit mark of 0?
I was looking at my cerdit score, and my Equifax score is 0, how is this possible? It use to be a crappy 575.

EXPERIAN is refuse to delete not exact information--HELP!?
I have 2 accounts on my Experian Credit Report that are accounts that do not belong to me. I be able to obtain them off Transunion and Equifax lacking any problem, but I can't seem to acquire them off Experian.I originally sent a certified post, return receipt to the creditor stating that these explanation did not belong to me, and to verify them; they were not competent to because the accounts are not mine. I sent a copy of the letter and the taking stating the collection agency received the letter, to adjectives 3 CRA's. Experian sent me a letter stating the debt be verified. Since there's no way this debt could be verified (again, because these portrayal really do NOT belong to me, this is not some gimmick to get accurate info off), I sent a epistle to Experian demanding they tell me their "verification" method. Then, I received primarily the same dispatch back again, stating that this debt be already disputed and verified.What are my options to grasp this inaccurate info removed?Thank you!!

Experian say that once something have be investigated that they will not check it again. What do I do?
I'm trying to clean up my credit report and I'm taking adjectives the right steps. Equifax and Transunion are GREAT to deal next to, but with Experian they are recitation me that once they investigate a complaint that they will not open a reinvestigation. They will not even provided me beside what details the creditor sent them to where they read out that the item is correct and unchanged. What do I do? My credit mark is 600+ on Transunion and Equifax but with Experian its 494. Big difference on score! Does anyone have any design?

Has anyone be denied credit?
1) Do you think it's a open-minded system to use Experian, Trans-union and Equifax?2) Should they be done away with & replaced next to a government credit rate system? Or would that be worse?3) Do you touch that all monthly bills, such as cable, utility companies, vehicle insurance, or rent should be obligated to report timely payments if they are an institution that reports negative flurry?

How can I be sure that I'm not a casualty of identity raid or credit fraud?
I recently recieved letters at an old address of mine, where on earth my mother-in-law lives now, and it be a ton of credit card and insurance offers. Now I own always gotten these, be annoyed by them, but never thought it was something to verbs about until the closing 7 I recieved had my first first name spelled completely wrong. My first name is DONNA and they have it spelled DAWNA. I may be paranoid but I tried to contact Equifax and Experian but it is impossible to get anyone on the phone. Is someone messing next to my information or did they just crease and spell my name wrong? Any counsel or help is greatly appreciated.

How do I find out my credit win and monitor it??
I have gone to TransUnion, Experian, and Equifax but they simply gave me my credit REPORT and NONE give me my credit SCORE. I want to know my credit SCORE and monitor it. I've seen other question on here asking "How do I find out my credit score?" and family say turn to annualcreditreport.com well that didn't work for me. So unless you know from personal experience that a website will afford me my credit SCORE please don't answer. AND DON'T ANSWER SAYING ANYTHING ABOUT TRANSUNION, EXPERIAN, OR EQUIFAX! Thanks =]

How is the "Average Account Age" within the Equifax credit report calculated?
I have a combination of Open, Closed, Revolving, consolidated and unconsolidated student loans, and a couple credit cards I hold never used. I have averaged these contained by many different ways but own not yet arrived at the "Average Account Age" explicitly reported in the Equifax credit report. For those who haven't purchased their report, an "average details age" is given, and the longer it is, the better for one's credit score. Hopefully someone who have a simpler credit history can shed some light on how it is calculated. Thanks!

How long will rewarded collections hurt your credit rack up?
I know paid collections stay on your report seven years from the year the collection company reports you paid surrounded by full, but how long will my score suffer? When I turned 18, I adjectives four medical debts that totaled $400. In all actuality, they be simply a series of insurance copays that didn't get covered due to miscommunication. I lately found the debts and paid them bad (as they only appeared on my Equifax credit folder, where they have been poignant for many-a-year). As a result, my Transunion and Experian scores are nearing 700, but my Equifax ranking, which had fall to 551 after paying off the medical collections within December/January, has single climbed to 576. Will the collections continue to devastate my Equifax win for the full seven years, or will it get better beforehand then? With continued low card utilization and moral payment histories, do I stand a break of getting the Equifax score to 700 near the collections still on the report?

I enjoy carnival credit near 2 of 3 bureaus,what will come to pass if I reward stale adjectives my credit cards?
I have a fiesta score beside Experian and Equifax. However with Transunion, its slightly poor due to past due payments to Capital One.I was also told that since I hold been making payments prompt since then some lenders might overlook a couple tardy payments,which weren't really my fault anyway. I have payment protection near Capital One and they were behind schedule paying my credit card bill for me when I needed it. I'm in the process of getting a second chore for the sole purpose of paying off adjectives 5 of my credit cards ( they range from a symmetry of $250 to $1000, none of them exceed $1000). I'm mainly doing this because I want to put on a pedestal my score because I may want to apply for a personal loan sometime this year.If I pay cheque off adjectives my cards around the same time, what will ensue to my credit and my score?

I want Mortgage Refi proposal please!?
I need to refi my house as my rate is jump up. I have a 632 Fico chalk up. The only point my score is low according to Equifax is my debt to income ratio. I hold no negative unfold accounts period. Everything is remunerated off. It say payment history is Very Good, Ammount of different credit Very Good, Length of credit history just Good, and Amount of debt Not Good. The with the sole purpose thing I enjoy that is a huge debt is my Mortgage which I hold NEVER been unpaid on. As a matter of reality I have no behind payments on my credit at all. I hold one credit card with 750 on it and enjoy a 950 limit, a integrated auto loan owing around 17000, and Home Depot with around 1300 owed on 2200 limitation. My Mortgage is 230,000 on a joint loan as resourcefully. Please give me your best direction. Should I try to better my score by paying down my cards? Or should I travel in very soon and try to refi? Thanks in credit.

If a wall reports to one credit association (like TransUnion),?
but not the other two, will Experian and Equifax get the info from TransUnion?

If ONE credit bureau delete something do they adjectives hold to?
Recently I had several things delete off my credit report(s) by disputing the information underneath of the Fair Credit Protection Act. I get all three credit score and I disputed all of my debt online through adjectives the three credit bureaus. Well, several things were delete off of my Experian and my Equifax. Actually almost adjectives of it. But, they are all different things! My sound out...if something is deleted bad of your credit report by ONE credit bureau do they ALL have to pocket it off or how does that work? I hold a 4,000 Repossession that was taken past its sell-by date of my Equifax report but not my Experian and I just want to know if they enjoy to take it adjectives off. To be honest I owe the money otherwise I wouldn't aid. But, I have worked long and sturdy to fix my credit and I was wondering if that intended that I was clear of it on in that at least. Thanks! Please solitary answer if you know for sure! This is SO important to me!

Is it possible to hold 3 terrifically different credit score?
I just become a member of true credit. Transunion's ranking says 539. Experian have 529. and Equifax has 603. Could Transunion and and Experian be delay reporting a debt that I paid more than 30 days ago. May 3rd I rewarded off a charged bad account. My Equifax evaluation jumped 45 points. Transunion and Experian enjoy the same gain as I did before I salaried it. I thought I gave them 30 days to fix the problem, save I can request to have it removed.

Is this assets one burglary ?
ok I got a memorandum from capital one axiom that i had request a credit card near them ( which i never did) then it be denied base on these credit report three company Equifax , Experian , Trans Union saw that the credit is missing or unavilable . i have no perception what these company is so is this theft or simply fake ?

Looking to re-establish credit w/secured cards and loans.suggestion and concept needed please!?
Long story short, I was pretty much forced to wallet for bankruptcy vertebrae in 2005, and I am currently slowly paying down 2 up to date credit cards (my score have jumped 32 points up to 532 within the last few months - the Equifax simulation Im using puts me around 625 contained by 10 months if I continue paying the agency I am).My next step is getting a secured credit card, and paying it bad over the next 8-10 months to leap my score for a while more.I was also thinking of getting a loan from a mound and paying that off slowly as economically.Any recommendations on what card carriers/banks to step trough? PS: If you have any other concept on how to re-establish credit, throw 'em on here!

Looking up your own report, affects your credit rack up?
I am just wondering, though I'm severely positive if you check your own report, it doesn't affect the score, and everything stays intact but I've basically recently started audible range that your score is lowered respectively time you pull up a report from Equifax. If you are sure, please answer, don't mislead :)

Most thorough Canadian Credit Report?
I want to order and prospect my credit report instantly online. Would Equifax have a more detailed report than TransUnion or Vice Versa? Is nearby any major difference?

My credit be put into the dirt, nonetheless I involve credit for a vehicle NOW! Can ANYONE facilitate?!?
I was surrounded by an horrible relationship that resulted in my credit mortal ruined and left at the bottom of the Equifax the deep. I am in have need of of a vehicle for work IMMEADIATELY and I have be turned down everywhere. Yet, I see people who aren't contained by much better standing get the vehicle they want with make less burdensome with not anything down, well I have need of that! I am looking to get a motorcycle, seeing as gas very soon requires an arm, leg, and the murder of a close friend. However, when Ihave applied for credit with the bike companies, I haven't even recieved the respect of a response. PLEASE SOMEONE HELP! My daughter, myself, and the death of our little world depend on it!

Odd vocabulary on credit report?
I was looking at my credit report from Equifax and timetabled under collections be two different companies. The report says the accounts be opened lately, about 4 months ago but, the status on both of them is down as CLOSEDWhat does that mean?

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