Equifax Q&A

Question in connection with my Credit Report...?
When I check my credit report on Equifax, (the 3-in-1 report) and then I stir to "Collections" it says I don't own collection accounts on record. Why is that? I know I do enjoy 2 accounts on collection, and one I recently compensated off. They're not recent any. They've been around for 1 or 2 years presently. Why don't they show?

Trying to repair credit...hold a request for information or two?
I am in the process of reading and following "Credit Repair for Dummies" and I enjoy 2 questions if anyone know..1. I have a student loan thru OSLA and I own previously slow-paid on it, but I have 2 entries showing up as NELNET LOAN SERVICE that are both on my Equifax report. In the comments portion it says STUDENT LOAN...they both own 0 balance, 0 credit aim, 0 scheduled donation amount, 0 past due amount and the current status states ACCOUNT IS INACTIVE. What is this and is it hurting me?2. My mother died surrounded by 2003 and apparently had added me to one of her credit cards as an authorized user for emergency. I never knew this or never have a card. When she died there be a balance of 3600 that be placed and charged off on MY credit report...is in that anything I can do to get this removed, or am I stuck near it?

What apposite is getting the "free credit report" if they don't bequeath you your FICO win?
I got the "free credit report" from Equifax but what they give me doesn't tell me my win - for that I have to wage a fee. And let's frontage it, that 3-digit number is the only piece you really want to know! That's hardly "free," wouldn't you speak?

What are some pious things to put surrounded by a epistle to write to Equifax and TransUnion to obtain disputed items removed?
I disputed the items on my Equifax and they were taken past its sell-by date. but they weren't taken off the other two reports. The single way to dispute next to those is to write a letter to them...Am I gonna hold to write a million letters to return with anything done? I'm just wanting to know the steps I should give somebody a lift to ensure an expediant outcome.

What credit reporting agency is used the most?
Experian? Equifax? Transunion?Which credit reporting agency is used the most to determine APR etc trade lines?

What does it tight-fisted if my credit report Date of Last Activity column read NOT REPORTED?
Will this charge off never decline off my credit report? Im trying to repair my credit to buy a house. I enjoy a 498 w/TransUnion, 527 w/ Equifax and a 600 w/ Experian.

What is the best style to dispute errors on my credit report that are made to look approaching bright delinquencies?
I have some items that are from around 2002 and 2003 when I made some credit mistakes and have some major delinquencies and consequently some charge-offs on a couple of credit cards. These have gone to collections lower than a different creditor name and acct # and these agencies are making it look approaching these are current delinquencies. I have a home loan, sports car loan, student loans and new credit cards that are adjectives current... but these old items are lowering my credit rack up. I disputed one thru Credit Watch with Equifax, but the company denied the error and they kept it on. What do I do? Is it possible for these to be reported correctly as debt explicitly really several years old and not currently delinquent as they show?

What is the quickest mode to dispute beside equifax? And, how do I insure they are promt on my dispute?
Trying to get a home loan and something on my credit have put everything to a stop. The claim is inaccurate and is currently underneath dispute with Equifax...

What is your credit win?
My Equifax is 685

What make your credit condense?
Does checking my own credit bring my scores down? Like if I run and check my credit at experian, TransUnion and Equifax ... or check my credit score at MyCreditReport.com. If not .. what are the factor that can lower my credit?

What's a well-mannered credit mark?
I just received my credit report and am baffled.Equifax say 669, Experian says 683, TransUnion say 662.Can somebody please clarify what a 'good' credit score is, numerically speaking? In other words, is my credit honest, bad, average, outrageous?? How long does it take to add to credit scores? (Weeks? Months?)Thanks!

Why does credit mark differ form site to site?
Can some one educate me to this mystery. TrueCredit.com(TransUnion) give me 3 sets of scores. Equifax.com give me a WHOLE new set of 3 score, and FreeCreditReport.com (Experian) gave me ANOTHER bright set of 3 scores. All of these websites claim to afford you access to your other 2 scores for a allowance, I had to clear money to learn that these score are not in sync next to the actual agency's data. In other words, Trans Union may state that my Experian mark is 655, Experian may actually hold me at 670 and vice versa.

Why is child support showing up on my Equifax credit report as a 'collection account'?!?
This has to be bloodshed my score..and whats worse is the reality that I am timely on all payments.It even have a notation that Im past due $1032, when I a short time ago called the department Friday and they said I was current..Is at hand anything I can do to get this bad of here?

Why is my Experian gain roughly speaking 30 points lower than my Equifax or TransUnion?
It's been this track for a few years. The only difference i see from glance at the accounts is that the Equifax has more inquires within the last 2 years (5) than the other two (they enjoy 3 and 2). Would that knock it down by 30 points? Or does Equifax just win lower?The scores list from 770 to 803 so I'm not worried about one denied credit -- I am just curious. Thanks contained by advance.

Will this scenario help out or hurt my credit?
I wanted to know if my mark will drop if I had some of my rewarded student loans added to my Equifax file. I own 8 loans that are not being reported to EQU but are individual reported to TU and EXP so there is a colossal difference in the number of total accounts on my reports. They length in amounts from $1100 - $3500 adjectives paid. I be wondering should I have the loans inserted near EQU since they are all salaried and were never deferred. I was also thinking that they will attach to the age of my credit history since they date back to 1999 and 2000. Any warning on if this will help or hurt my mark.

Anyone comfortable near Equifax's products?
I am trying to choose between Equifax Credit Watch Gold ($10/mo) and Equifax Credit Watch Gold with 3-in-1 Monitoring ($13/mo). Is the $10/mo package worth it? What nearly the more expensive one, is it worth the additional $3/ month. The "best answer" award will go to the answerer who tell me something I cannot learn from the Equifax web site. Thanks.

Are old-fashioned credit agreements (unused credit/store cards, long-gone mobile phone contracts) affecting my credit rating?
I looked up my credit report on Equifax after being declined for a mobile phone contract. I own always kept up payments on credit cards and don't appear to have any gloomy credit history. The only thing I could see be that I have 7 open credit agreements set up- 2 within use (bank & credit card, all paid up to date), 5 others (unused credit cards, store card, 2 antediluvian mobile phone contracts no longer used).Are these affecting my credit rating, and how do I get rid of them as they are no longer in use?

Credit monitoring discrepancy?
I have been a long-time applicant of myfico.com credit monitoring (sponsored by equifax). They monitor my Equifax score, and report it as being 626. For giggle I joined truecredit.com (sponsored by TransUnion), and got their 3-1 mark monitoring service. They show my TransUnion score and Experian score as 636 and 633 respectively, but show my Equifax chalk up as 559. I was wondering if anyone can explain the vast discrepancy between what truecredit.com reports my Equifax mark being (559), and what myfico (sponsored by equifax) reports my Equifax score as mortal (626)?

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 In Toilet But No Negative Information?
Just got new mortgage on house. Credit ranking in May was large 680 (not great ut not horrible). Went online to check score last week and immediately at 560!! No negative credit information whatsoever. No late pays or collections. I do convey high balances on credit cards and that is to say why I have never been over 700 but I don't figure out this. I talked with customer service rep at Equifax and she looked at my credit report and couldn't explain it any. What do I do?

does anyone own any conception where on earth i can find a company that would distribute me a loan through Equifax?
in other words, my score is apt with equifax, any company out there would approve me for a credit card near low credit to start off or maybe a home loan ?

does your Fico credit win come from adjectives 3 agencies?
or just Equifax report?

Equifax grill?
I was just wondering why everything from July to present is not person reported to Equifax. Like clockwork, monthly listings to Experian are listed. Transunion seems to be a month astern. Equifax though shows up nothing. I have three lines of credit(2 guard CC's and a GMAC auto loan) and all report in impossible to tell apart fashion. Am I missing something? Any help would be greatly appreciated, gratefulness ahead of time for your responses.

Equifax.... how to fleece the public?
I have a bad credit ranking with equifax.256 points (very poor) that it is because i only hold one active account (mobile phone) and that for 1.5 years did not put myself on the electoral roll. I own never been in debt of more than lb500 and do not in general need credit cards etc. I need one very soon for my wedding but my low score have meant that i cannot get one. I spoke to the most rude human being in the world at Equifax who stated that there is nil i can do but wait until the electoral roll increases to make up for the lost 1.5 years. can anyone minister to with advice?

FICO Score. Different criteria?
I usually answer these questions, but now I'm puzzled. I purely purchased my score from Equifax and Experian through the MyFICO.com site. Equifax came rear legs as 813 listing a handful of positive factors and stating that because it's so dignified there are no negative factor. Experian gave me 819, no positive factors, and two denial factors (recent credit and a high balance) that appear to indicate that if they had used the same method to arrive at the evaluation as Equifax, it would be even higher. I thought everyone used the same factor, just gave them slightly different point values. Why would one voice everything is way cool, and the other slap my hand for buying a different car and getting a Kohl's charge? (They have really great sale for cardholders! I had to. :)

Free credit check from Equifax?
I want to know what my credit check score is from Equifax

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